Never skimp on interfaces. Anything that goes between your skin and something else, anywhere energy is changing medium, this is where money is well-spent. Tires, handlebar tape, speakers/headphones, bicycle saddle, hand tools, work gloves, climbing shoes, keyboard, mouse, monitors, seat cushions, you get the idea... finding what works well for you regardless of cost reaps serious benefits. More money does not necessarily mean better performance for you, but time invested in the trial and error process does mean better results.

In the case of bicycling shorts: these are the sacrificial layer. Your skin is pretty valuable, but at least it can heal. Your comfort on a bike ride is invaluable.

Regarding the stink factor, you mentioned elsewhere in this thread about getting the stink out of technical fabrics. And some people talked stupid shit in response. Anyone who claims "I just wash my stuff and it don't stink no more." Uh, yeah, their noses don't work so well. Getting the tenacious stink out of polyester is a special set of skills. Polyester has a unique affinity for molecules that contribute to stink. Cotton-poly blend exhibits a similar tenacious stink. Very briefly: the polar nature of polyester makes it good for wicking sweat, but also makes it good for hanging onto stinky molecules; standard washing and laundry detergents won't cut it. You need to overcome that molecular-level affinity; vinegar in your first rinse cycle is strong enough. Washing soda (sodium carbonate, not to be confused with sodium bicarbonate AKA baking soda) is a strong alkaline that can strip a bunch of shit out of all your fabrics; it's also pretty harsh. The other alternative is to use sunlight, e.g. line drying, to denature the stinky molecules. But the UV light is hard on fabrics.