Lots of good suggestions there, SunnyFlorida - thanks!

I actually reached deep down inside and found a little bit of common sense: took the Schwinn to my LBS this morning and left it for a tune-up. It'll be ready Thursday so I'll just keep riding the non-folder (and the stationary bike at the gym!) till then, to keep my legs/butt in shape.

Took the non-folder out to the P.O. this afternoon and it actually felt pretty good. Hubby adjusted the seat again - probably does need to be higher.

Anyway - thanks again for the great advice & encouragement!