I had similar problems until I changed out the saddle - I went with a gel/foam cutout (Rav-X) and it is very comfortable. I have not used any chamois butter yet, but I haven’t encountered any chafing even after a twenty mile ride, so I will add it when I begin to need it. We are all built differently so it is hard to recommend a solution - try out different saddles is what I would recommend. Also, my saddle needed to be angled up slightly in the front and now it is a perfect fit for me. Good luck - I know how painful that chafing can be! And congrats on your new bike!