: I was fortunate enough to get a neoprene dry suit from a friend who decided
: he was no longer going to wind surf in the cold weather. It fits well and
: is quite warm but turns my underarms to hamburger from chafing--even when
: wearing a "non-chafing" long sleeve shirt.

You've discovered why paddling dry suits are made of Gore-Tex or similar fabrics, rather than neoprene. Neoprene dry suits are not meant for the type of repetitive motion that paddling requires; they're actually designed for sports with relatively little arm movement.