It really shouldn't hurt.

It is *not* a normal part of climbing.

Sounds like time to begin the search for the saddle of your dreams.

Start by measuring your sit bones to get an idea of minimum saddle width (there's a thread about that somewhere in "Favorite Saddles") and reading the specs on various saddles.

You can also do the "do I need a cut-out" test. (sit on the front of a hard wooden chair in your underwear. keeping your back straight, hinge forward at your hips until you can rest your elbows on your knees. if your girly bits feel smooshed and uncomfortable in this position, you might want to investigate cut-out saddles)

Saddle shape preference ("T" vs. "pear") is a very individual thing, and I don't know of any short-cuts to discovering the shape you need. Try a saddle, note the chafing pattern (if any) and change accordingly.

Sheldon Brown has a spiffy page of saddle info: http://www.sheldonbrown.com/saddles.html