Thanks for the advice, guys. I probably am overthinking it quite a bit, I'm just naturally a very analytical person, so I tend to do that.
Unfortunately some of those weekday 1.5 hour rides will be on the trainer or rollers due to time crunch, but you gotta do what you gotta do, right?
Amazingly, I don't have a ton of weight to lose thanks to staying a little bit active and eating pretty well, just no bike time.