Chamois cream was originally for use on shorts that included a chamois! Which actually had to be "lubed" to soften it up. Today's shorts don't need chamois cream, although a lot of people stand by it as a necessity.

I have never used it. The thought of putting something called "Udderly Smooth" on those portions of my body is not up my alley! A simple change of shorts (an "upgrade," as it were, to a better pair) or a saddle change can improve your issues tremendously. If you are getting friction between you and your shorts, it could also be that your shorts are too big. Good luck and welcome to the forum!