I finally took the plunge and actually wore my shorts without knickers under, and used cream and that made a big difference! 
I hope I'm ready! last day of training today - will do a shorter 13 miles this morning and weights this afternoon, then rest tomo to be fresh for sunday. Forcast is rain :( I did do 20 miles in rain on Thurs, so I've had a little practice in rain, but I do hope it is dry!
Since I'm only doing the cycle leg I can wear proper padded shorts, but I had wondered that about tri clothing. I'm planning swimming lessons in Sept with the hope of one day doing full triathlons. I can run and cycle, but I am not a good swimmer atm.
I will check out those saddles, thank you. They look more like what I have on my hybrid, which I've never had any problems with. I have spent a fortune on bikes this past month though, so I need to behave for now! As well as buying the road bike, and new shorts, cycling shoes, new pedals, etc I also had to change the cycle carrier as we changed the car last month.
Then after road biking my hybrid seemed so heavy and sluggish!! So, I changed the tyres, gone from 700 x 38 down to some nice slick 28s, and fitted some butterfly handlebars. I also put the clipped pedals that came with the road bike on it and it looks more like a touring bike now!