Regular wipes cause pain and irritate the rash. And when I used our homemade wipes for the first time and she didn't cry I wanted to run out the front door and tell it to my neighbor!!! After using the wipe to clean, the baby oil coats the bottom and creates a barrier for the tee-tee to roll off and be soaked up quickly by the diaper. This allows for healing and also prevents more rash. Here's a picture of the quick zig-zag technique I used to get the gauze wet with baby oil. I used to get this ready pre-diaper changing. For a time I even kept a stack ready in the Pampers wipes container.
Our youngest is 2 years old and the baby oil and 4" x 4" sterile gauze are still a constant at our diaper changing station. The rash can literally show up in an instant and I'm ready for it. I also keep cotton rounds for if I ever see a little redness on the bum, I give it a little coating.
Homemade wipes equal less pain and are worth the temporary extra cost!