Thanks guys - there's lots for me to try here. BTW, I am male......that's a rather important fact left out in the original post. I have to stop by the LBS this week as well, so I'll probably get some input there. I get that part of the process in seat adjustment is personal preference combined with trial and error, but it's better to eliminate some of the error straight up if possible!

The bike is a "perma-borrow" from a friend, and I've only started up biking in the last two weeks after a long sabatical (like, 8 yrs), so I'm certain some of the pain is simply getting used to cycling again, but there's definitely something out of wack with the saddle as well. I haven't had anything go numb yet, which counts for something ("Rule of thumb: don't let it go numb."). Doesn't help that my friend put a post on with a slightly larger diameter than the original, so it's damn near impossible for me to adjust it up or down - that's certainly not helping the process.

Anyways, thanks again. I appreciate the tips - and I'll put them to good use.