For years I didn't even bother with padded shorts let alone cream. I suspect it all depends on an individual's physique...im slim with no chafing points. Others may chafe as soon as look at a saddle.
I sometimes use a bit if Tesco own-brand nappy cream.
Just be careful your 3-year-old daughter doesn't walk in while you're applying and then tell all your wife's friends next time they're round that Daddy has to put special cream on his willy...
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