never heard the term chub rub before, im sad theres a need for it now. but as far as chafing goes. one time when i was like 10 i went to busch gardens in fl and made the horrible horrible mistake of riding all the water rides first then spending the rest of the day miserable walking around a crowded theme park on a hot, humid, fl summer day in wet, baggy jean shorts(that somehow NEVER dried lol) and my thighs were on fire. No joke by mid afternoon my shit was so raw 10 year old me was crying and just wanted to go home, rides be damned. It takes alot to make a kid actually WANT to leave a theme park, I cant imagine putting up with something like that every single day of my life. No thanks, once was one time to many for me. Honestly, I feel like after awhile there must be some kind of callus over the area or something to make it bearable, because damn, how do you just live with that shit.