To save a few pennies...#1.

I do use chamois cream for rides over two hours. I have always been
amazed by how much they charge for this product. After trying several
products, I have found one that works extremely well, Udderly Smooth.
I find it very comparable to Chamois Butt'r, at literally a third of
the price. I purchased three 12 oz. containers for the price of one
8 oz. tube from the shop. I have used it for over a year. It is non-
petroleum based products and will work well with your cycling shorts.
Needless to say, it has saved me a few pennies. Google it and you will
find it available on line.