Creatine is definetly tried and true and worth you money. I doubt many people would argue against that.
I absoluetely use creatine while cutting. It will be in my supplementation all the way up to and through my show day.
And about the bananas... I was kind of being a smart ass and making it too technical. ANYTIME is a good time to eat bananas! And really, it doesn't matter whether you want to use dextrose or fruit, I was just being a little facetious. You'll likely never notice the difference if you used one or the other for years consistently.
Lord knows I've eaten plenty of bananas including (but not limited to) post workout! I've also used dextrose post workout. By science the latter is better but it's never worth making that technical at our level....