Yes to all of this. Especially the chub rub part. That's why I wear jeans and leggings all the time. This is the first summer where I've made it a point to wear shorts and mini dresses that show off my legs. Copious amounts of deodorant and Vaseline are slathered between my thighs cause the chafing really is unbearable if it gets too bad. DorrisWedding high neck collar wedding selections