Oh Shasta.... Baby weight sucks (I'm still trying to lose mine, and the baby is 17 - years!!!).

I'd try raising the handle bars and maybe a wider seat until some of it melts away. And it will melt away. Riding is great for you. Not just from the exercise/get moving/weight loss benefits. But also from the mental "I'm out there doing something I love" benefits. You cannot wait for the ideal, you must meet yourself where you are. And where you are is wonderful, vibrant, and lycra-be damned, a cyclist. Listen to your heart and ride.