Obviously, blokes have a completely different problem. As a veteran of a number of World Naked Bike Rides, I have noticed that some chaps balance everything on the nose of the saddle whilst others ride to the left, or the right, as the case may be. I am one of the "side-saddlers" keeping my genitals tucked to the left of my saddle nose. I suspect that when everything is wrapped up in padded lycra it's not so clear-cut, but nevertheless, I find that any tenderness during or after riding occurs either behind the scrotum, or to the right side. I suffered a little when I was out a week or two ago, but I put that down to not having ridden much recently and my nethers taking a little time becoming accustomed to the saddle again.
Clearly, testicles are not designed to be load-bearing - we know about it very quickly if, momentarily, they are - but then neither are labia nor clitorides. Is it even possible for a woman to sit slightly off-centre on the saddle for any length of time without causing other discomfort?