FWIW I am not female but as captain of tandem team 2024 I have to take care of my stokers fit and equipment needs because she is blind. I have had to get way more acquainted with female needs than I thought necessary or possible. Onwards... even the stock saddle on a bike like the Coda should not hurt. It may not feel like the ultimate in seating, but it shouldn't hurt. Before spending money on new stems and saddles carefully explore the parameters afforded by the present equipment. It is surprising how few do that. There is about 4"+ of fore/aft adjustment of the saddle. If it is too far backward you may be sitting on the narrow nose portion. I am discovering just how important it is to have the saddle forward enough. KOPS (knee over pedal spindle) is somewhat controversial but I think it is on the right track i.e. saddle adjustments should be made primarily to adjust knee or power output issues. Hand pain issues should be dealt with by handlebar height or reach (stem length). For $20.00 you can buy a stem extender that will raise your stem ~2". That should be more than enough. My SO is very partial to anatomic saddles. Horizontal or nose up doesn't bother her as long as the seat is cut out. All the way. Some anatomic saddles just have the center portion cut out. Others are split right up to the nose of the saddle.

H