It looks like a large percentage of women here use chamois cream of some kind. I have not considered using it yet, though of course I just had my first ride >25 miles so my rides haven't been long enough to have any problems of this nature.

I would like to avoid having problems though, what descriptions I've read here just doesn't sound like fun at all I am curious, do most here use it just on rides longer than a certain time/distance, or for all rides?