Chamois cream is disgusting. If you're not riding in the tour you shouldn't need it. Make sure your shorts/bibs are tight enough. You want the chammy to stay in place on your ass, and have the fabric of the shorts/bibs sliding on the saddle, not sliding against your skin on the inside.

I have experienced chafing in the *ahem* front area before, and it was due to the bibs/shorts not being cut well for my anatomy. Perfect for a smooth Ken-doll body, not great for my anatomically-correct groin.