If your crotch is hurting, you may have the seat angled up a little too much. It may also just be you that has a non-standard anatomy.

You might want to investigate a women's saddle. They have cutouts in appropriate places that reduce pressure on the naughty bits, although they're not perfect either. The sore butt part is an easier fix, as you'll toughen up fast. I forgot to mention that you might also be more comfortable with cycling shorts, which are slightly padded. And don't wear underwear with them! That way you won't be sitting on panty seams digging into your cheeks.