Chamois cream is an interesting one.
The first anti-chafe cycling shorts had a pad made of chamois leather.
I reckon the use of cream was to keep the leather soft, which in turn helped the leather to do its job.
Chamois cream on today's synthetic pads is unlikely to do a lot for the pad.
But I suppose it could still act as a moisturiser or lubricant for the skin.
Happily for me, I've never felt the need to use it.
Once you start using these types of preparations it's a job to wean yourself off them.
Using chamois cream is something else to buy and a bit more faffage before riding - both to be avoided if possible.