Is stretch mark lotion really necessary?

I hate putting lotion on as a general rule (except for my hands). I feel like my skin is naturally pretty well moisturized (it never feels dry or itchy). I did put coconut oil lotion on my belly to sleep for a few nights and I just hate the way it makes my skin feel. Is this necessary to prevent stretch marks? I have no problem using it if I’m feeling dry or itchy but at this point (almost 22 weeks) I feel like the skin on my belly is still moisturized. Any helpful advice would be most appreciated! Thanks 😊