I am doing a tour in a couple of weeks and was wondering if I should bring some balm along.

I have never used it and don't seem to chafe (In fact I don't really understand what everyone means by chaffing - is it getting red, raw and rubbed off skin in areas?)

The longest ride I have done to date is 65 miles and other than being tired and needing to shift around more often towards the end everything felt pretty good.

I can't remember the saddle I am using but it is the one that came with my bike. the back is cutout but it doesn't have a front cutout - I think I lucked out with it fitting.

If I do use the balm where all do you put it? I have read where people even rub it into their chamois? or should I just go with "if it ain't broke don't fix it" and will know it if I start chaffing