It's very personal. I'm sure it has to do with things like the shape and size of your parts, hair growth patterns, moisture levels in the area, the kind of chamois you like ... things that vary enormously even when two people have similar bone structure. A few lucky ones never need any, most I think use some on longer rides, some need it all the time.
If you're fine without it so far, maybe get a small tube or borrow a little from someone, carry it with you in a 1/2 oz jar in a jersey pocket, and then you'll have it if you need it.



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