First oblique suggestion: get a rack and panniers so you can get that damned weight off your back!
Once you get the weight off your back, you may not mind leaning forward so much. A road bike (even set up with a fairly upright position) would let you stretch out your arms better. In fact, just going to a larger frame might solve some of these problems.
Also, where are your feet on the pedals? One should ride with the balls of their feet over the pedal spindle, but flat pedals tend to encourage people to shift their feet forward, causing the toe overlap you're experiencing.
Also, welcome to BF!
Last edited by ThermionicScott; 03-08-13 at 03:46 PM.