Lonnie:
In all seriousness, it is perfectly acceptable to use Bag Balm...
...if you moo and give milk, that is!
I actually find Bag Balm too waxy for a "saddle area" lubricant.
And I think it is a shame to cheat yourself out of the euro-good, slightly tingly experience of Chamois Creme just to save a few pennies. Doesn't your butt deserve the best? I know mine does.
Underwear Nazi
You want cream with that?