I hit the contact points (those pointy sitbone parts that really want to try to become sores) as well as the cravices that tend to want to rub together before any long ride. I don't use any fancy creams, rather the generic version of neosporin. It's cheap, vaseline based, and has the antibacterial angle covered. So far so good. I have never ridden past 160 mi, but that's about to change....
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'06 Novara Randonee
'09 Fuji Cross Pro
'13 Specialized Roubaix Pro
'13 Specialized Allez Smartweld Frankenbike
'21 Diverge Comp Carbon