I have me newish GT Hybrid. I would like a Surly LHT. Is my GT worn out? No. So, I'm putting bak a little every payday and OT I get. I'm also holding off til I get my weight down to 225 also. Sort of like a reward thing.
At 285, I'm at 290 right now and 6' 2", and would keep on trunking with your bike til you get down , and stay down, for awhile. I know others have/do ride a roadie at a higher weight, but I also hear the horror stories of bent wheels, back hurting, and other weight issues.
It would be nice to be able to buy the "perfect" expensive bike at first, but most folks can't.
I would just get your bike comfortable and ride the hell out of it til it falls apart, you get down to a lower weight, or you save up the money.
Jerry