noglider 

I say get some cycling shorts now even though they may not last. They may last longer than you think, and you deserve comfort now.

To prevent chafing in your crotch, you might like some ointment. There are cycling-specific ointments, but I find anything works. Vaseline is OK, but A&D ointment is nicer.

Ride the hardest saddle you can tolerate. That doesn't mean it has to be hard now, just on the harder side. The more miles you put on, the harder you will want it to be, so in a few months or in a year, you'll be changing your saddle.