I haven't ever started a ride creamed up. Otoh, I take a tube of lube along as an emergency measure should the need arise. Need has only arisen on hot, humid days when I wasn't wearing my favorite padded shorts - a pair theoretically identical to the pair I was wearing at the time - same brand, style & size and bought at the same time from the same store. Go figure.
As those above have illustrated, YMMV.