Does anyone have a lube recommendation that has a similar texture and consistency to a moisturizing cream?

This is primarily for intercourse with a partner without any known allergies and masturbation. If it’s safe to use with toys that would be convenient, but we have other water-based lubes for toys.

We generally find water-based lines difficult to apply and messy because they run off our hands and his penis. They cause more mess on the bed and floor and rarely make applying lube where desired easy. We’ve also tried a gel lubricant, but it’s still very thin and runny.

We’ve used a moisturizing cream like cetaphil or eucerin externally in the past and it works perfectly. Everything stays lubricated and it’s not too then that it drips off everything. Any suggestions are greatly appreciated!