I don't have any issues with chafing. Possibly a different bike seat. As far as saddle soreness I wear this inside my swimsuit. I have to admit the padding that I put in covers more than the swimsuit does on each side. I have to tuck that part in so it's not sticking out of my swimsuit. This padding makes for a more comfortable ride. As far as not wearing a shirt I'm sure I'd get even more looks and not sure I want to push my luck. With string sides and no shirt, I might get some complaints. I ride 15-20 miles all over the place. If I'm just in the neighborhood then yes I go with no shirt or if I'm cutting the grass.
Cycling Shorts Cushion