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Saddle sore
Physical Discomfort
Use 'saddle sore' to express physical discomfort from long periods sitting on a bike or horse. 
Activity Specific
'Saddle sore' refers to pain from activities involving sitting on a saddle, not general discomfort. 
Literal vs. Figurative
While often literal, 'saddle sore' can be used humorously to describe other uncomfortable situations. 