have you seen some of the threads in GD?
I find it amusing why someone would ask such a question on an internet forum...
I'd say you're abit on the podgy side and having chaffing inbetween your legs, which can wear down that area a lot quicker.
Basically, lose weight
Yes, the same applies to those too.
its probably because you spend 5 quid on jeans
no, normal arse