I think this is a case of YMMV. I am 51 and very post menopausal. My suggestion was based on the sweat factor. I sweat like a ho in church on a long ride and that is what causes me the most problem down there.

Another thing that has occurred to me, are your shorts tight enough? If they are tight they don't move, thus don't rub, thus don't chafe.

Good excuse to wear tight pants.