I’m sure others will be here presently to weigh in, but here’s what I got for ya. Yep, bike shops will happily do tuneups, and although it can cost around $70 where I live, I think it’s worth it. They’ll clean and relube the chain, adjust both the front and rear derailleurs, adjust the tension of brake and shifter cables, and check everything over. If you mention specifically that the front derailleur seems out of whack, they should pay extra attention to that for you. My only warning would be to go to a shop that is just bikes, not a sporting goods store or the like - you want to deal with people who are dedicated to biking.
Getting a comfortable saddle is key to happy riding, as you’re finding out the hard way. I’d recommend two things. First, look for a saddle that has a cutout in the center, to keep your soft bits from getting smooshed. And get one that’s specific to your gender. One easy way to test different saddles at a bike shop is to test-ride a few different bike brands, then buy a saddle a la carte that is made by that company. It shouldn’t take too long for a saddle to feel wrong for you, if you know what I mean. Any saddle where you feel pressure on your nether parts, even slightly or during a short test ride, is going to lead to serious unhappy numbness in no time. All your weight should rest on your “sit bones”, the two (small) areas in the center of your buttcheeks. Also, the most padded saddle might not be the best - it all depends on whether the length, cutout, and back spread conform well to your body or not.
FWIW, bike shop employees will not be embarrassed to discuss your buttcheeks with you.
Also, what you wear can have a real impact on comfort. Jeans, for example, have all their leg seams meet in the center crotchal area, which forms a big bump. After a very short amount of time with that bump pressing into your sensitive areas, you’ll be hating life. Even if you’re not interested in hardcore riding and all the tight spandex that us high-mileage cyclists wear, I’d suggest getting some padded undershorts to wear under your regular clothes. They’re discreet, seamless in all the right places, and will make all your underbits much happier. REI makes these and I love em for when I’m not wearing the aforementioned silly* spandex shorts.
*of course they look cool, not silly! 
Oh, and your essential investments are a good floor pump with a gauge for keeping those tires inflated (check at least once a week), and a helmet. Of course!