No Zucharelli,you are not a lardass, you are a star.
You understand what makes us different. It had to be hard at 50. I had a similar story at 40. Torn rotator cuff, sedentary lifestyle, fat, basically looking like every other lazy American. I had been so concentrated on my job, I let myself go to pot.
A friend introduced me to a personal trainer who became a close personal friend and is also a riding partner. He started me riding, first a hybrid, then a road bike, then mountain bikes. I still work out with him twice weekly and will as long as I can. It is a lifestyle choice, not a luxury item. I have a gym at home also and use it too but it will not replace a good trainer.
You are not a lardass, you are a hero to those that can't or haven't made that commitment. It makes you a very impressive 50 year old. Kick as* as long as possible. Good Luck.
