Always ride in my low rise jeans, not being funny but unless you have a fab toned body jods are just soooooo un forgiving! can't stand normal jods to compete in even now so have to go for saddlehuggers hipster jods. Anything round my waist just feels so uncomfortable.
Practically all my jeans end up as riding jeans eventually and no i have not suffered any rubbing problems! i have old Topshop jeans,old levis, jane norman ones, oasis ones - any that have stretch. I had a pairr of cheap Tescos ones though with no stretch in and, well no they weren't very comfortable but they didn't rub, just didn't stretch like the others.
I am going to buy a pair of denim breeches next i think as i am sick of the other breeches that always go at the seams where the material (the seat bit) is different.