I commute 4,000 miles a year plus ride another 1,000 on the weekends. I am 61 and have been doing this for over ten years. I have been using Serfas Cosmo seats for most of this time and I love them. I have one on each of my two commuters and a similar seat on my mtb. I also prefer to tilt the horn of my seat down a bit, which may not work for everyone, but I also would suggest that you give it a try. I have not experienced either of the problems you are trying to avoid and these seats were in the $50 range when I bought the last one about ten years ago.

Good luck.