I have never used any of that stuff - just decent shorts and underwear - and never had any problems at all, and this with touring many thousands of miles in all sorts of conditions, typically averaging 100 miles a day, and nearly always camping out, in the wild, often in remote deserts where there was no spare water for washing - this being something very much to consider if you are planning on slathering cream all over yourself. You want to be able to wash it off an night rather than just let it build up over days. It is why I cycled in loose-fitting long-sleeved shirts too, so I didn't have to cover myself with suncream that would later build up, become sticky and clog pores.