Thanks for all the replies . . .
. . . they sure help. I've purchased some good riding shorts (Cannondale & another good brand) and they are quite comfy. Just seems when I'm on longer rides, I've noticed the friction. I did change out my saddle almost immediately after getting the bike. There was a big difference after I made the switch.
I've read about the creme on another site but it seemed it was used almost exclusively by men. Not too many women would comment on whether they used it or not. Of course, all the men suggest riding without any panties (briefs) because they indicate the seems in both can cause irritation and problems. I was very curious about using creme in the delicate area and wondered if anyone had problems with UTIs, bladder or yeast infections. I know this is TMI.
I've never really been bothered with any type of infection and wanted to get some input before trying the stuff myself. Thanks for all your responses, it sure does help with making a decision about whether to use it or not.
I am a novice to cycling and have really adapted to it and love it. I've taken up cycling for a variety of reasons, with the most important being getting a cardio workout. I'll post more on that issue later.
Thanks again! Have a great holiday. Going out to hit the trail.