Pearl Izumi and Gore have been good brands of high quality, effective clothing for me, sizes still somewhat small though. One of the problems with being overweight is that the clothing is too long, even though it may fit in terms of girth. Like others, I usually just bring the riding inside and/or move to different types of aerobic exercise like walking on a treadmill or running. It also is nice to take a break sometimes and not get burned out on cycling. The other thing people usually don’t consider until it’s too late is that the road salt is really hard on the bike, and will corrode everything it can in like 1 ride, so you really have to be meticulous about cleaning the bike well and quickly after every ride. That’s just too much work, which is why it’s now very popular to get a fatbike or a 29plus MTB and just ride unsalted trails, if you also enjoy frost bite.