I’m gonna respectfully disagree with TJ on this one.
The problems I get are related to chafing, and the chafing is worst in the summer; you sweat, then get micro salt crystals on your skin and shorts, and the constant movement of thighs and dangly bits while pedalling can end up rubbing things raw.
Same when riding in the rain, when grit gets into the shorts.
I use Assos because I can, but have made do many times with any non-perfumed moisturing lotion, like E-45; just blob it on your chammy, rub a bit more on the nads and off you go.
The above advice regarding using hydrocortisone as an ingredient is probably not the best; regular use of steroid creams can thin and damage your skin; not what you want in any of your leisure areas..