Yes, the weight will definitely catch up to you. I lost the 45 lbs just riding - not by diet. I'm not that disciplined. The fit from the LBS is what they understand to be 'in the slot.' I think if you have done the saddle rodeo, you might as well go ahead and play with the adjustments. Maybe by fine tuning to your body, you'll find the sweet spot. I wish you luck and good health. Take care, and be careful of your knees, big guy!