GO FOR IT, DAVE! Way to go, grabbing your life and making it your own! (No, I'm not being sarky, I'm serious, I'm glad for you)
I've said for a while now that "I could lose a little..." maybe a bowling ball's worth -- nothing like the goal you set for yourself. Somehow, though, I think you'll get to your goal before I do mine. Hey, HOW BOUT I ROOT FOR YA?!?
Remember, when you do get that bike -- cycling is #2 on the list of all-around healthiest exercises; swimming is 1st,and I always say 'nobody ever drowned from getting a leg cramp on a bike'!
My best to you, man.