I have found the premium lubes are worth their expense because they take much less and last much longer. I personally have found Wicked Aqua to be very long lasting, only takes a few drops, is tasteless, and works well with female condoms as well as anal. Jo products (can get unflavored) are also good.
For body to body contact, you can't beat coconut or grapeseed oil. I always get the food quality so that if massage or titfucking develops into oral play, everything is good. Lube can be too slippery if you are wanting good body to body friction.
For the liquid vs gel vs jelly question, the premium lubes primarily come in liquid. For a reason. Use what the professionals use.