I wish that I had a lot less experience on this topic. But unfortunately, my natural walking motion causes chafing. I've been battling it for 40+ years. I estimate that I've applied some form of anti-chafing lotion or creme somewhere in the vicinity of 15,000 times in my life. I've tried pretty much everything, including a number of home mixed concoctions. Nearly all work to some degree of effectiveness. With hand creams being the worst overall group.

But people who have a motion or riding position that requires very little assistance might find that almost everythiing works well for them.

I will say that if you start to feel any chafing, it is best to address it ASAP. Once your skin is irritated, a treatment that normally works great may not do much of anything, except to help it not get any worse. I've had chafing so bad that I could hardly walk for 2-3 days. Every one of my bike bags has one or two small containers of anti-chafe product.