Hi Kathi, it's me again. I forgot to mention that it is also important to invest in the best biking shorts you can afford. Buy something that has a women's specific chamois in it, and one that will wick moisture away. Go to teamestrogen.com, and also terrybicycles.com and check out what they have. Team Estrogen has a technical description on several different chamois and their characteristics.

Terry makes an excellent bike short, as does Shebeest. Shebeest brand's chamois wicks moisture away really well, if that is also a concern of yours.