I don't use anything, but I don't wear chamois, either.

Weird as it is, I'm much happier with no chamois and no cream. (I think it's because I finally found a saddle that fits me right.) My chafing issues completly disappeared. Going without a chamois has also made my life better as far as sweat-related issues, too.

Mind you, I'm only riding 50-60 miles at a time. I might change my mind if I start doing long rides.

(I used to put Burt's Bees Salve on my chaffed spots before and after rides. It was blissful!)