Hi Spokes - not a stupid or gross question at all - very sensible to ask...

Personally I'd probably steer away from piecings in the 'saddle' area, purely because even when it's healed (which can take up to 6 weeks) I'd be concerned about getting knocks or squashed by the saddle. I don't know about you but I can get pretty warm in my shorts, and along with chamois butter etc I'd wonder if it might not be the nicest enviornment for a fresh piecing.

Have you considered belly button, nipple or some other area?

After saying all though, that my boyfriend thinks from his distant memory that the down hiller Missie Giove might have a labia piecing. He's not 100% sure ( his memory is not what it was ) but if so, then maybe it 's not a problem after all. You could always check with the piercing place - see what they think too.