Thanks to both of you for your thoughts! I will definitely look into those books and I already have a Terry Liberator seat, which is great. I only ride about 50-75 miles a week right now. I couldn't believe how different (and much easier) it was on the road when I took off those bumpy mountain bike tires.
My husband and I will probably take a trip to a large bike store near Boston soon and I will go for some test rides. I'm still not even using clipless pedals, so I'll have that to learn as well. Those scare me a little, but I know they're better in the long run if I can get used to them.

thanks again!
Angela