I've gotten the saddle situation under control, and the only discomfort I now have is chafing right where the leg meets the body, on the front, just to the side of the boys (don't make me post a picture!).
With the new lower-priced bike shorts I got it looks like the edge/seam of the "chamois" is right at this point. The chamois also barely covers the sit bones. I will probably send them back.
I'm not chafing against the saddle. The problems is less with other shorts that I have, but still there.
Anyone deal successfully with this problem? I'd like to avoid buying bibs at this time.