Twigg
Just an old, bald man!
I wouldn't do the gel.I keep waiting for a deal to come up to try one of these. I actually found an upholstery shop here in Albuquerque that will scoop the seat, add gel and foam to both passenger and rider seats, and recover both of them in my choice of materials for $325. He does lots of cruiser seats. He did awesome work on my wife's Expedition seat. Just need to get it over to him and see how it come out.
It is very hot in summer, very cold in winter, and very hard on your soft bits all year, if you want to ride more than a few hundred miles.
Seriously, of all the solutions folk try, gel inserts are right up there with the worst ideas.