jrhoneOC, another resource - Bag Balm, a petroleum based salve that's been around over a century and that cyclists have been using a long time. Yes, in general, if we need to use a chamois cream, that suggests something else isn't right, but if we have to ride and all isn't right, Bag Balm will both make that ride a lot more bearable and minimize further issues. The stuff works; really well. Plus it is cheap and readily available in any old-school pharmacy. ($8-10 for a can that will last you many rides.)

Bag Balm was formulated soon after the first mechanical dairy milkers. Those early milkers were very hard on the cows' teats. Bag Balm soothed them enough that the cows were willing to be milked. Didn't take long for the next generation, kinder milkers. Now farmers had all this stuff on hand. Their wives quickly discovered all kinds of uses for it. I learned about it 30 years GO from a tandem stoker.

Ben