When it comes to being a Superchub especially those who happens to have a lot of folds, crevasses it's really important to keep the skins there well maintained.
I am part of the many big people that needs to lotion or powder my folds. Otherwise I pay the consequences
In this case after I shower and dry myself off and then air dry I add lotion to my lower belly why? because it still gets a little "moist" down there (and no not in a sexual way haha! maybe) but it does get damp therefore it creates friction when my belly rubs against my thighs or as you see how I am sitting my thighs and legs it creates friction on my underbelly and it could be painful so adding powder or lotion reduces that friction making things less painful,