Eventually, you'll want to raise your seat because riding with a low seat causes all sorts of problem--particularly knees, although I can see how the girlie bits might also be taking alot more weight that need be.

You might really want to consider getting a professional bike fit. You won't be able to touch the ground with your toes while seated--that's not a proper fit. But you won't learn how to ride a bike properly if you don't get your toes off the ground!