Thanks so much for your replies. Yes, my husband is very supportive, it's mostly my insecurities that have led me to where I am. I'm ready to put that behind me and attack life, if you know what I mean. I absolutely love riding, but I think I'm going to need a different bike. I have a feeling that any investment will be worth it.

Another question...
On the days I can't get out, would an indoor bike like a Schwinn Airdyne work to build endurance?