Hi Tia, welcome to TE.
have you read some of the threads under "favorite saddles?"
is it possible that your saddle is not quite positioned where it should?
on the inside of my leg near the panty line. Also a lot of gals don't wear panties at all to eliminate seam rub.
But a too wide saddle will definitely have that effect. the sensitive girl parts in the front though, if they're hurting, i still wonder if your saddle is set up right.
I ride a Brooks B67 which has the narrow nose and t-shape. But there are lots of different saddles you can try. IT wouldn't hurt to get fitted, but barring that (if you now hate your saddle) just take it into a bike shop and look for one that in comparison is narrower etc..
good luck