I think that 100% pure aloe vera gel is a great personal lubricant. It costs less than most over the counter lubricants and it's natural. The point of using a lubricant is to prevent friction and possible irritation or damage to sexual organs. And aloe vera gel does exactly that. It's also safe to use with condoms since it does not contain oil. Oil can degrade condoms and cause them to break.
I have never tried combining aloe vera gel with a personal lubricant before but that might be a good idea as well. It would be a good way to reduce cost. Also, there are warming lubricants that are way too strong. Combining a small amount of a warming lubricant with aloe vera gel would be a good way to reduce the warming effects.