Oh please forgive me for chiming in, but I have a theory. I tried really hard not to open this thread all day, but here I am...
Melissa...I think the combination of HRT, secretions, moistiure, body heat, tucking AND the fabrics used for womens underwear is what is causing this. I would also venture a guess that HRT has altered your sense of smell somewhat. Men and women's senses work differently and you have been on HRT for more than a year now, your senses are going to markedly different than a year ago.