You've gotten some good advice... I just want to add that my crotch doesn't hurt from riding my diamond frame - I did a 48 miles today, though there were a couple of breaks, and that was without cycling shorts. (Of course, that might just mean I have no nerve endings... 'cept I know that's not true either ) However, that is true of my steel bike, and not really true of the aljuminum one...but it's my butt that hurts on that one.
The wrong saddle does bug me ... but the right bike, saddle and fit should mean no pain.