Ouch my lady bits!

[KnottedYet]

aerodynamics - the amount they'd likely raise your bars or rotate your bars is pretty minimal. it will change your weightbearing pattern more than it will change your aerodynamics (unless they REALLY raise them up with a new stem and such) If you are more comfortable with your bars up a bit, you will ride more efficiently and probably more powerfully. Muscle energy that is being spent "guarding" and trying to protect your sore bits is muscle energy that is NOT getting used to propel the bike!

Saddle - since your other bikes are also always causing you discomfort, my vote is leaning toward a saddle issue. Wallingford Bicycle Parts gives you 6 months, no questions asked, to try out saddles and return them. www.wallbike.com I've heard that Terry gives you 30 days. www.terrybicycles.com So, there are options that will let you try saddles and return them if they don't work right for you.

Built to race - you don't have to be built a special way to race, but your bike does! The bike needs to fit you, the components need to suit you, and such. Takes a while to fine tune the bike and your posture on it, but there's no one particular body type that one needs to be racy.

Edit: try to find a copy of Andy Pruitt's Complete Medical Guide for Cyclists. (or something like that title.) The book is great.