I've got to add my .02 to the discussion. I've had the seams in my underwear wear a huge 'ol hole in my backside on a long ride. In order to get home the next day, DH had to apply moleskin to the sensitive area. I was able to ride the next day, but taking it off was - to this unshaven wench - memorable.
Don't use underwear until you are off the bike.
Give big space to the festive dog that make sport in the roadway. Avoid entanglement with your wheel spoke.
(Sign in Japan)
1978 Raleigh Gran Prix
2003 EZ Sport AX