We have a tendency in America to look for magic bullets, so we use too much of a thing, (i.e. soy) and then we label it as unhealthy. The folks in the Phillipines are not doing the weird things with the oil that we are trying. They simply use it for cooking in a natural manner, and as an emmolient on their skin. It is as simple as that.
Add a little coconut oil to your bath water (careful this can be slippery)as you would any other bath oil.
Coconut cream is pretty light, although it takes a while to absorb into the skin. It is processed differently from the cooking oil and comes in a semi-solid state. It melts easily when rubbed on the skin.