I'm the opposite voice here: I bike commute to work plus do lunchtime rides for a total of about 125 miles a week. I just started doing centuries on the weekend with 20-50 mile recovery rides the next day and I don't use any chamois creme at all. My only issue to date has been my sit bones are a tad sore the next day when I first start out, but once I get going, everything gets warmed up and remembers what it's supposed to do, including them bones!
Are you having issues now? If no, then you may not need any creme.
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways, champagne in one hand, strawberries in the other, body thoroughly used up, totally worn out and screaming: "Yeah Baby! What a Ride!"