All of the above, I also find that buying a pack of 10 face washers, just cotton ones from Spotlight or the supi are great for wipes. They are big and perfect for a poo explosion. I also keep a pump bottle of water at the change table to wet the face washers with. Perfect.
I have never used liners in my nappies either and have used Moo Goo for rash and if it has been really bad, one day with Sudocream and sposie has fixed it. Good luck!