I used to get saddle sores every season in the same spot on my left side and finally figured out that my left leg is shorter than the right. I put a shim under the left cleat, and problem solved, so look into the fit to make sure it's not something like that. I have always used bag balm as a post-ride treatment not chamois cream, so I'm a bit surprised to hear that people are using it that way. My preferred chamois cream is Morgan Blue Solid, but I usually only use chamois cream in the rain, if it's really hot and sweaty or maybe on a multi-day ride.