As an old & fat rider myself; the safest, most cost/benefit results will be achieved if you remove the wheels, grab a wheel in each hand and raise them above your head. Do that for 3 sets of 10 every day. For even greater results: a little duct tape applied to the lips just before meals is extremely effective to reduce lap times!
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The Smart Money: #1 - ATGATT, #2 - Training (machine skills and survival skills), #3 - The bike; whatever floats yer boat with the money you have left over