When I showered after removing my bandage, I very lightly soaped the area with only using my hand. then let the water rinse over it. Then gently pat dry. No lotions or oils/creams, though.
I did the exact same as, CricketHip, washed lightly over wound with a soapy hand, then patted dry after shower. So the incision did get wet and I wasn't really anxious about that, but didn't let the shower spray beat on it directly. I think soap on it is good, it cleanses the area.
As far as fabric rubbing on it. You may be more comfortable wearing some type of soft loose pants or shorts for another week or two. It depends upon your comfort level. You'll soon forget about it, or may find it itchy and want to apply topicals.
Sometimes the skin around your incision becomes dry and itchy while healing. Although it is okay to put lotion or cream on the surrounding skin if it is uncomfortable,
you should not apply anything close to or on the stitches or incision without the approval of your surgeon. It normally takes four to six weeks for the incision to fully heal and close. You don't want to risk infection by applying a product near an open area before that time. Some of the more common creams and lotions used on a healed incision are Bio-Oil, Vitamin E Oil, E45 Cream, Palmer's Cocoa Butter Lotion with Vitamin E, and Coconut Oil.
The one exception to the guidance in regard to applying products topically over your incision is a product called
ACTIVE AntiMicrobial Hydrogel Spray. This product contains hypochlorous (HOCL), a compound made naturally by your body to promote healing. It can be applied to your incision at any point during recovery - it's a germ fighter as well as a healing and moisturizing agent. Discuss its use with your surgeon before using it. You will find a link at the top right of the page in a sidebar ad you can click on.
I understand the apprehension you're feeling, we all do, but it will be okay.

Have a wonderful weekend!