I recommend a used steel terry classic that has been converted to drop bars, or you could start with flat bars (how they are equipped) and switch to drop bars as you lean out. I would think you would fit a 17.5". You can put a rack on for touring, or take it off for club riding. A terry symetry/isis would also work, which accomodates a rear rack and comes with drop bars. Check out the terry website for used bikes. I would get one made around 2000 or later with 9spd sti levers.
I am recommending terrys since when you are short, reach will be an issue, and since you are overweight, the problem will be further exacerbated by an inability to bend over very far. These are solid bikes but not expensive used, so you can always upgrade later if you like it.
As for a saddle, saddle size depends on how far apart your sitbones are (i.e. the shape of your pelvic bones) not your butt. Being heavier just means you'll have more cushioning over your sitbones.
Riding will definitely help you in a quest for weight loss, so you may very well need/want a different bike in a year once you reach your ideal weight. You can do it if you decide. Also, if you have difficulty losing weight despite caloric restriction and exercise, be evaluated for impaired glucose tolerance. That was my problem. Once I discovered it and went on a low carb high protein diet the weight just fell off me.



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