>>10417271. you will need padded shorts- you can get some for <$10 on amazon or ebay but the sizing may not be right. Sometimes academy or dicks have them for $20ish. 2. Seats are a very personal preference- unfortunately you have to try many to find one that fits your body. 3. MTB saddle is never really gonna feel good but you should be able to find something that doesn't cause pain. I weigh about half of you and this feels good to me. Its a tri seat but i use it for mtb.