Totally individual. The better your saddle and shorts fit you, the less you're likely to need. Chamois cream helps prevent chafing - which isn't necessarily the same thing as saddle sores. Sometimes chamois cream can clog pores and block air circulation and even contribute to saddle sores.
When you start to get a little bit of chafing, use it, before you get a lot of chafing. If you never do, consider yourself lucky and forget about it.

Originally Posted by
Rubylvr
... a homeopathic cream recommended on another bike site called "Traumeel".
Traumeel is not supposed to be applied to broken skin! It's to heal bruises, sore muscles and joint pain, NOT for external damage.
Speed comes from what you put behind you. - Judi Ketteler