Rhonda, personally, I don't care what I look like when I'm riding, but even so, I have seen western riders with breeches and boots and I think they look fine.
Yes, the crotch rubbing - terrible, isn't it. I never had it from riding, but from doing other chores and things. It has to do with the cut of the jeans I think. Because I have some that do and some that don't. And the slimmer you are, I think the worse it is.