Thanks to everyone who replied. My husband checked tire pressure and it was near the low end so he bumped it up to near the top. I did get the bike used, and do agree that it is probably too big, I'll probably know a lot more the second time around buying one from the local bike shop. I just didn't want to put a lot into it until I knew I could/would keep it up.

For now, I'm really enjoying myself & last night even shaved over a minute off my per-mile number. Thanks for all of the encouragement!