Proper fit, good seat, good chamois = no problems. I've never used chamois cream and never had chaffing or saddle sores. I have a friend who swears by Anti Monkey Butt Cream. To each his/her own. Keep trying longer and longer rides to see if anything develops. Everyone is different, but in the days before I had a properly fit bike and decent shorts/saddle I sometimes got pretty uncomfortable before any actual skin break down occurred. Just like seats and shorts, sometimes it comes down to trial and error.