To hot to ride????

I don't think I'm cut out to ride in the heat. The temperature today was 98 in the shade. I may be one of those "fair weather" riders. Here's my problem....my motor is directly under my seat so all that heat is right under me not to mention that when I get off my bike it looks like I've peed my pants. I know its so attractive. I bought the beads to put on my seat hoping that will help only time will tell. I don't wear a jacket just a t-shirt with jeans and a half helmet so there's not much I can eliminate....I live dangerously. Praying for cooler weather!