I have reviewed your complaints and it appears that there is soiling of your scrotum with the urine and hence the skin as become macerated. Constant exposure to moisture is a indeed a risk factor for fungal infection (as you have rightly pointed out). But do not worry this problem can be well managed.
These are my recommendations for you :
1. You need to keep the area dry as much as possible
2. You can apply a local antifungal powders such as Abzorb or Mycoderm under the care of your doctor. Do it for 3 months twice daily and you shall be fine.
3. Make sure you are using proper fitting cotton underwears. Fit should ensure that your scrotum is not rubbing on your thighs while walking.
Hope this helps
Please feel free to ask followup queries.
Dr Rajiv Goel
MS (AIIMS), MCh (AIIMS), DNB ( Uro)
Fellow, Urooncology and Robotic urology, Australia
Fellow, Laparoscopic urology, Germany