Riding a lot of km at speed denounce any potential areas for rubbing/chafing, and I've never had any problems.
Unless you cast getting dressed for a pre-work ride and forgetting to put underwear in your bag.... currently wearing running shorts under my dress!!!
I forgot my whole suit once. I had to nip to the local shops and buy a dark skirt and a white blouse. Lucky it was hot or I'd have had to fork out for a jacket I didn't need as well
