Just tell them that it's your soft tissue. They should understand that. But, then again, I just call things what they are. Don't get me wrong; I understand your embarrassment, but I'm about 25 years past needing to sugar coat the names of my body parts. It's all in the delivery. If I'm matter of fact about it, more often than not, the other person is,too.

Tilting the saddle down does not work for me, personally. What does work for me is a saddle with a cut out.