Thank you for your responses ! I was reading some more stuff about bicycle fit and pain, and it does seem to indicate that the saddle is the most likely culprit. I was reading some stuff about measuring the distance between the sit bones, and choosing a saddle which is wide enough to support them appropriately. Based on how it feels when I ride with my current setup, my guess is that my saddle is too narrow, thus not supporting my sit bones at all, so I end up riding on my pubic bone--ouch !

Mimitabby--sorry, I didn't mean that the online fit kit had anything to say about saddles--I just meant that according to it, the rest of the geometry looks pretty ok. That Wallbike outfit sounds cool--can't argue much with a 6 month return policy

I am heading off to read in the Favorite Saddles part of the board now.

Thanks again, I really love these boards already. So many helpful and friendly female bikers