Are you wearing cotton underwear beneath your bibbs or shorts? Don't. Cotton holds in the moisture that the material in your bibbs/shorts should be wicking away. There is no need to have under pants on. But if you feel compelled wear something underneath, then make certain they are synthetic material and form fitting so they don't wrinkle up.

Also if you have lots of long body hair underneath those bibbs or shorts, then shave it short. It too holds in moisture that should be wicked away by your cycling clothes.

I have never used any chamois creams. I just don't get sores. And I do believe that a significant part of that is due to what I wrote above. I also just ride a plain looking saddle with minimal padding and a cutout. Selle Italia and Specialized are two of the more reliable brands to make saddles that I like. And I find bibbs and shorts with a thin chamois better than ones with thick chamois.

I don't find any real difference between bibbs or shorts. With the exception that bibbs feel better in the waist when I've been fattened up over the holidays. Bibbs are sometimes a tad more annoying when I have to stop to pee quickly.