For those that do use chamois crème/cream of some sort, and are looking for a cheaper option, I recommend milking cream. The agricultural kind… I’ve used various brands, and have zero need to even try a bespoke chamois cream.
Udder Balm/Udder Butter/ Milko/etc are designed to be friction-reducing and and slightly antiseptic. It also comes in agricultural-industry sized pots, and not cycling-industry sized prices.
Speak to your local vet, you don’t even need to live on a farm to find the stuff, (usually).