As we are all friends here and talking about bras and pants and chamois cream I will set out my thinking in as clear a way as possible.
For me chamois cream is a real obfuscation. Bum butter is actually a better name.
The cream should go right up your jacksy distinctly where the sun don't shine. The idea is that it acts as a barrier. Same as sudocrem for napping rash. Yes put it on after for a rash if you want to but put it on beforehand if going on long cycles to prevent saddle sores.
If I get a saddle sore I use Germolene to try to stop it. Laurent Fignon lost the Tour de France due to them. They can be excruciating and stop you from cycling. The distances probably 60 plus miles for me before apply the stuff.
Years ago there was an American who posted monthly pics of his weight loss caused by cycling - he gets into hilarious discussions with a Swiss guy about menthol chamois cream where the yank appears to have applied the cream on or near the gonads which caused pain, the Swiss was defending the Assos brand against non expert American application.
A sensitive area but one we should feel free to discuss. In my opinion to maybe help avoid actual sensitive areas that stop y from cycling