Oh I have an idea I would like to share ... don't know how long it will last but as long as it's working, I'm doing it.

I have a struggle to apply cream after a bath. So I let her lay down on the bed, ok, ok, I playfully tackle her and throw her on her back, then I grab her feet and start peddeling like riding a bike. Then I tell her that I have to put on some oil to make it go faster So I put on some "oil" and peddle again a bit faster, then I repeat till I have a clean, smoothe, well creamed dd laying there ....
then she's off and I have to wrestle her diaper and pj's on her