TL;DR - a formerly benign cyst went haywire when my immune system ramped up to fight covid. Had it lanced, then I was allergic to the antibacterial infused bandaids I bought to cover it. I'm in hell.
Ingrown hairs, boils, or cysts? Appeared after shaving, caused by chafing from wearing pads. Feel like pea sized hard lumps beneath skin. More info in comments