I did use a cut out for this reason, but then ran into chafing problems around the cut-out, so for me the best solution was a brooks saddle that I tilt down slightly to relieve urethral pressure (when I say tilt down the nose is level but the rear is higher than the nose). I find it is very comfortable and doesn't cause either chafing or UTIs. Also, you say you are older. I find using an estrgen vaginal cream regularly helps (if you aren't on oral estrogens), as does chamois butter. As we age our tissues do get thinner and more fragile.