Do you need a crotch pad, even?

That’s not the same as asking, “Do you want to be comfortable down there?” Padding helps when you have sores you’re trying to cushion, and when your saddle is uncomfortabale and you’re sitting on it for hours.
But when your crotch is healthy and the ride is only a few hours long, and you occasionally get off the saddle to stretch your legs or climb a hill, then you may not need a pad down there. Ride seamless underwear. That may be enough.