I finally bit the bullet and purchased a Brooks saddle(B17) and some clipless pedals(m520 and some Specialized MTB Shoes)this week.

Wow. Nothing like being able to efficiently pedal and be comfortable on the bike.
I was a bit timid to shell out all the cash for the set up, but man, talk about a change in my morning commute. The difference is immediate and wonderful. All of those thinking of either, just do it.