I wouldn't ride without a chamois, but I cannot wear any chamois that is thick, wide, or feels like a diaper. I bought a pair of cycling tights with a chamois from someone on TE last year. They were either Assos or Exte Ondo, so originally very expensive. The chamois was *horrible.* Wide, thick, with seams and so big in the front that it caught on the nose of my saddle. I truly could not believe any woman wore these, because I was in pain, chafed, and got abraded from them. Into the garbage they went, Thankfully, I only paid 30.00.
It's a personal decision, like anything else, but there is a huge range of chamois in different shorts, just like a huge range of saddles. I have found 2 I like, and I don't plan on changing.