Do you chafe when you run or surf or walk? If so, you have probably experienced the awful reality of chafed skin. Chafed skin is actual raw skin; friction removes the top, layer of skin cells, creating a definitely-not-welcome painful situation.
Chafing can occur anywhere on your body, but the thighs, groin, underarms, neck, and nipples are particularly vulnerable. Skin-on-skin contact and clothing-on-skin can both cause friction so you'll want to address both skincare and clothing solutions.