Well if you need it you need it and i would always recommend using it so your ride is not ruined - it is easy. You can’t undo the damage quickly. If it is hot - even more of an issue to get chafed and the all the remaining days will be miserable. We are a family of cyclists and agree we don’t use it for rides around our area - but would sure have it for a multiple day trip and for 40+ miles ride.
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