Wheels of agony

A few days ago I purchased a bike. The trip back from Target was nerve-racking. I had to take two buses with the bike in the front rack, and with the way those drivers slam the brakes...it was rather stressful.
The maiden voyage did not go as well as I could have hoped for. The seat was quite chafing, my endurance was shot and the gears kept getting caught in between positions. Now I must debate either investing in an alternate seat, a different bike altogether or stick with it and risk penile dysfunction. What would Matt McConaghey do?