I get a bit of chafing when I horse-ride especially when I wear cloth pads. Some of the women have suggested Velcro instead of snaps to do up the pads, but I haven't tried it. Other options I've looked into are soft squishy pad 'butt-savers' to go on my saddle or padded bike or horse-riding undies. So maybe a soft cover for your seat? Or the bike shorts like others above suggested. I just wanted to add that a velcro 'snap' on your pads might help.