WHY THIS HAPPENS
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Wrong saddle for your sit-bone width — most common cause
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Saddle tilt wrong — even 1-2 degrees of nose-down shifts pressure forward
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Saddle too high — rocking causes friction and chafing
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Saddle too far forward or back — weight in the wrong place
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Shorts with thin or old chamois padding
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Skipping chamois cream on rides over 2 hours
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Lack of gradual adaptation — long rides before the body has built tolerance