There's no point arguing about what other people are experiencing. We all feel things differently and are allowed to complain about our discomfort if we want to.
Quite! DP feels the heat much more than I do and is never cold, but I'm a chilly mortal. It's just one of the many ways in which we're incompatible. 
Back on topic, yesterday I had a very sore, red rash in my groin. Only on one side, mind. It was bloody uncomfortable as it was right where my knicker leg sits, so I spent the day commando wearing nothing but a large, baggy t-shirt (I put on some shorts when I went to hang some washing out, as there was a bit of a breeze and I didn't want to shock my nice NDN).
I had a cool shower twice during the day and again before bed, dried carefully and put some baby powder on the affected area. Today the rash has disappeared, although the area is still quite sore.
Here's my dilemma: I have to go out at some point (birthday presents to buy). If I leave my knickers off but wear baggy linen trousers, is there a risk that wet patches might appear on them and make it look like I've pissed myself? None of my dresses or skirts are long enough for me to go out bare-arsed without risk of exposing myself, and bloody DP doesn't have any boxers (he's a briefs man, likes all his tackle tucked up lol).
Would I be better off to wear knickers that rub the sore bit for a couple of hours, then take them off again when I get home?
I've ordered some of those anti-chafe knickers, but no way will they arrive today.