Cog on! (yeah, that's what I'll consider doing)
I'm surprised the internal gear hubs have a load limit that low--they look complex but strong. Nothing on the Simano website says there is a limit (although I wouldn't doubt there is).
The Breezer diamond frame bike load is listed at 300 pounds--it shouldn't be if the gearing that's part of the bike will fail under such a load.
Impressive list of bikes, dynaryder!
(Couldn't ride in today and I'm missing it! It has been snowing since last evening. I only go when the roads are cleared.)