So I bit of an update here. I stuck with the program with the personal trainer even though the first few were F'ing hard. In mid June I bumped up to 2x/week with the personal trainer and was also in the gym at least 3x/week for lifting using the book that Carbonfiberboy recommended. Outside of the personal training, I do at least 2 more cardio days, with one day being speed work and one being endurance.
Through the first two months I lost a total of 6" off my waist. the first month I lost 3" off my waist, 4 lbs and 1% bodyfat. The second month I also lost 3" off my waist and 1% bodyfat, but just 1 lb. First week of august is when I do my 3rd month check with my nutritionist. They are tracking the changes 1x/month so I have an independent person making sure the measurements
Fitness has improved a lot because when I do my speedwork, I'm running at a 7.5 min/mile pace for my intervals, which is pretty good for me considering how out of shape I was a few months ago. Last week I had to jog some horses, where you are basically sprinting, then resting for a short period then sprinting again and it wasn't hard.
My new routine is typically:
Almost always on a set schedule:
M/W/F: lift using the book that CFB recommended
T/F: workout with the personal trainer
Flexible, according to recovery:
W: speed work for 30-40 min. in the gym on either the treadmill, spinbike, or elliptical
Thursday: If recovery from T/W was good then do 30 min. of speedwork or 60 min. of aerobic work depending on how I feel.
Saturday: If I worked out on Thursday then take a rest day. If I didn't workout on thursday, then do 30/60 minutes of speedwork or aerobic stuff.
Sunday: rest day
I can ride and workout the same day as long as the workout is in the morning and the riding is in the evening. The caveat is that the riding I do has to include a lot of breaks or just simply be a trail ride. If I want to do serious training, I need to have 24-48 hours between the riding day and a workout with the personal trainer if I want to have an effective riding session with minimal breaks.
The scale isn't moving as quickly as I thought it would, although my clothes are looser and people are noticing big differences from week to week. I suppose that means I'm building muscle as I lose fat? The one thing that's consistent is t 1% bodyfat reduction each month.
I wanted to quit so f'ing badly the first month, but am glad I stuck with it. So thanks everybody for the suggestions and encouragement to not quit.