I'm the opposite voice here: I bike commute to work plus do lunchtime rides for a total of about 125 miles a week. I just started doing centuries on the weekend with 20-50 mile recovery rides the next day and I don't use any chamois creme at all. My only issue to date has been my sit bones are a tad sore the next day when I first start out, but once I get going, everything gets warmed up and remembers what it's supposed to do, including them bones!
Are you having issues now? If no, then you may not need any creme.