I personally used mama’s choice and palmers (but I don’t touch it haha, I ask my husband to apply) and I make sure my husband rub it in fully, then I let it air dry before putting down my top. No issues of sticking/smell.
Hmm, your stretchmark cream should not be leaving oily residue that sticks to your pj. You should be rubbing it in fully.
Have you tried switching to a different brand lotion like mustela or mama’s choice instead?