yo! i was literally JUST in this predicament like 2 weeks ago (except it had only been 25 years and i'm 5'10ish)
i ended up with a trek verve 3 - i talked to the guy at the bike shop extensively about it, especially the capacity, and he said it would be fine. even if i end up doing something to the frame, he said he's never had trek or any other company ask "how heavy was the rider" or anything like that.
I haven't been riding it too long but it definitely feels solid for a 360 lb dude. the only issue i have is that i am really rusty and get nervous sometimes. I live in a city though and there are a lot of people, cars, dogs, etc around my neighborhood.