My understanding of a "rub" is a spot where the guard hair has all broken or been pulled leaving a spot where there's only the underfur that gets woolly. I think that some guys just use the term "rub" to describe the overall decline of the fur from wear and tear. I use the term "rub" to describe what I previously mentioned and, to me, general wear and tear is just the decline of the quality of the fur (ie. shorter guard hair due to breaking).
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