Lowering the saddle a bit is a good help to prevent rocking and chafing. If it’s not chafing, the skin may have a sort of sensitivity to moisture. Creams could exacerbate this, locking in moisture to the area, do you always use a cream prior to riding? The skin could also be a tad dry, limiting soap use on the affected area would help. Medications could also play a role

You can try to cover the area. For foot blister problems there are products that are cloth and adhesive, which sticks to and protects the area. Placing it over the affected area prevents any contact with the skin. They’re called Moleskins at the general store here

Also remember to stand on the pedals frequently, especially indoors. Standing for about 20-30% of total time has alleviated all of my problems, even after 7 hour trainer rides

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Strava