no no no no! if you live in a cooler moist climate liek vancouver canada you get creme on the dipstick if you do little trips. all saabs here get it! i used ot get big giant boogers on the dipstick until i did driving jobs (car warm for long time) and it went away. nothing to worry about really, check the coolant, white exhaust ect befor eyou go and get the gasket done. my local saab master gets about 1 person a week call or come in and say..."i went for an oil change and the oil chnage guy said my headgasket is shot", surely enough after my mechanic did all these compression test and hydrocabon test in expansion tank he came ot realise this was from what i described as it didn't show gasket failure. the mayonaise is not enough proof to confirm this. so don't worry too much at first unless the oil goes to a chocolate milkshake and you blow white smoke, you can always go for a compression test too.
(edit)-creme is from condensation