maybe you should try a different seat?
I know from the pictures I've seen, that different makes of seat are
sometimes shaped very differently.. I have a SemCycle seat, and thats
not too bad, it is thin where it goes between the legs, and fat where
it sticks out the back (not so fat at the front) - it has quite a
curve on it also, and I tilt it up as far as it will at the front, so
that my weight is on the wide bit, since the thin bit is thinly
padded.. but since I'm quite tall also, my legs would never be
pointing straight down, so it doesn't matter that the thin bit is
slightly forward (better that way in fact)
some of the other pictures I've seen have a seat that is almost flat
and not so long and thin in the middle.. it seems to me that this
would chafe much more on the legs, although it has more cushioning if
you sit directly on the thin bit. You didn't say what sort of seat
you had, but I would recommend trying some others anyway, you never
know what might suit.
and I understand that padded cycling shorts are good for holding
your treasures firmly out of the way (firmly snuggled up in front of
the body I find is best) and providing cushioning at the same time.
]ain