When I bought my budget folder at Christmas I replaced the
the saddle with a half decent one before I even rode it, and
have had no problems at all with the saddle, wearing very
standard clothing (jeans and thermals usually).
Made that mistake with my new road bike, my bits are still
complaining 2 days after going out on one of my usual rides
with it, and that was with wearing padded cycling shorts.
I don't know why they fit such useless saddles to bikes.
The e-pray saddle I got for the folder was about £10,
and the e-pray saddle I've ordered for the road bike
is all of £6, but I expect it to be vastly superior.
Perhaps it is an age thing.