You're sensitive to detergent smells and you use TIDE?!

Most people I know, myself included, who are sensitive to detergents can't touch Tide with a 10-foot pole. I can always smell people who use Tide, too (officemates, walking past someone on the street, etc). I usually use All Free & Clear.

As for chamois butter, I think Assos is the main cycling specific brand that offers anti-fungal benefits. However, lots of folks like to use A&D diaper ointments and others like Bag Balm, both of which also have anti-microbial qualities.