Get a good helmet
I bike in a city with a NOTORIOUS driving reputation. And, let me tell you, the urban cyclists are WORSE and dangerous.
I felt that biking made my crotch area hurt too, and I did get more used to it, but it has aggravated some feminine problems.
I have an aluminum bike, it's lighter to carry and have had it for around 10 years. Maybe a shade less.
I love using my bike to get to where I need to go in the summer - I feel its a lot more reliable and even faster than public transit!