So sometimes, triathletes resort to unusual methods to accomplish a task neccesary for the sport. In this case, I've got one for you that definitely qualifies as unusual. Are ya ready for it?
So you're out on a long ride and you're chafing. AAARRRRRGGGGGHHHH! A handy fix is to stop at the closest grocery store or market, and pick up some nipple cream. That's right, I said nipple cream. You'll find it in the baby supplies aisle, near the bottles and formula. It's made from pure lanolin, and you can get a tube small enough to fit in a bento box, jersey pocket, or flat kit bag. Better yet, that market or grocery store will have a bathroom that you can use to apply that lanolin to legs, arms, and clothing seams; wherever or whatever is chafing. It tends to be expensive, so this is best used as an emergency "I'm going to have scars when this ride is over" fix, but it will get you to your destination without too much more pain.
Otherwise, get enough lube before you ride or run! What's your favorite chafing solution?