Lynn, that is hilarious!!! I totally shoudl have done that!! If anything, just to see his reaction and my boyfriend's reaction! Hehehehe!
Oh, I'm sure he had a big laugh about it later with his buddies at the bike shop. "Hey, did you see that girl that came in with her boyfriend earlier? Well.. She asked me where you put the hooha cream!! Ahahah!" C'est la vie

It is a pretty entertaining event to think about AFTERwards, lol.
I did think I figured out where you're supposed to put it though. Basically, all around the girlie bits except directly inside you. Dunno, still sounds like weird stuff to me...
Thanks guys, you definitely helped me feel better! :-D