and I know that you are on a budget, but a lot of women here have discovered the joys of leather saddles. You can buy them from Wallbike.com and they have a 6 month return policy. The saddle can then be transferred to your new bike when you get it.
I rode a cross bike for years and the only problem is that you can't go as fast. You can get a great workout and do everything that can be done on a road bike, just not as quickly. and welcome to the forum.