Lots of good info here and I don't want to parrot what others have said about saddle fit and sit-bones, but it is the best first step towards finding the 'right' saddle. I couldn't find a comfortable saddle until I discovered that I have wide sit-bones, and bought a wide enough saddle. Getting your weight off the soft parts and onto the bones is step one.
As for chamois cream, I don't go on a ride without it (except for my short 5 mile commute to work). I forgot a few weeks ago, and chafed like mad. I don't think I'll forget again
. If you chafe, give it a try. I use Shea Butter.
Tzvia- rollin' slow...
Specialized Ruby Expert/mens Bontrager Inform RXL
Specialized SWorks Safire/mens Bontrager Inform RL
Giant Anthem-W XT-XTR/mens Bontrager Inform RXL
Fuji Newest 3 commuter/mens Bontrager Inform RL
Novara E.T.A commuter/mens Bontrager Inform RL