I've never used any chamois cream or ointments when cycling. The one time I did get something that looked like a saddle sore was from walking. And the cotton underwear bunching up as it got wet with sweat and lost all it's support. And becoming very abrasive to my skin as my thighs passed each other. That was the last time I ever wore cotton underpants. Now it's form fitting athletic underpants made from synthetic material.

As for cycling, the only other thing I do is make certain my bibbs or shorts fit snug enough to move with my skin. And that it doesn't have too many seams or badly made seams that will be irritating. And I also shave the hair everywhere under my shorts and jersey to a short length so that the moisture wicking ability of my clothing can effectively wick the moisture away from my skin.

Oh, and no underwear under the cycling bibbs or shorts. It's not needed. You wash them after a ride... don't you? <grin>