If I can just weigh in (see what I did there - comedy genius or what?!) with my experiences. As a 44 year old 'bloke' I guess I am reasonably typical in terms of gradually increasing weight and belly and needing to do something about it.
I have found 2 ways of losing weight and improving my fitness and general health. One was not sustainable - the other is - just about.
The first one was last year when my wife and I did the Gillian Mckeith "You Are What You Eat" thing for 8 weeks solid - no cheating. In simple terms it involves removing all 'bad' stuff from your diet and eating chicken, fish, grains, pulses, nuts and as much veg and fruit as you can manage. It is a real hassle - our whole life seemed to revolve around preparing and cooking food and cleaning up after it. I work away a lot so I had to take plastic tubs of the grub away with me as finding suitable food on hotel/restaurant menus was close to impossible. However the results were amazing. I wemt from 16st to 14st 4 in the 8 weeks. Fitness wise it was incredible - considering I didn't have time to get to the gym (too much chopping of carrots!). I noticed it first on the beach at Scarborough chasing a runaway football with my 12 year old daughter I realised that for the first time in years I could actually sprint - and not get puffed out after a couple of hundred yards! I spent the rest of the day running round like a young pony!
But as I said that was just not sustainable. So recently I've started going to the gym 4 times a week - mainly rowing, running and cycling with a bit of weights for toning. I've cut out all fried foods, takeaways etc and don't eat after 7pm. No beer either. And one thing that really helps - I go to bed no later than 10pm. Makes me feel miles fresher the next day and more keen to go to the gym. Its early days but I think a good few pounds will be lost.
So....more than one way to skin a cat. But I do believe a major factor is the input - the grub and booze. You can get away with doing minimal exercise if you cut out all the crap. So just scale it for what your circumstances can cope with....
Cheers
Rich
PS The fact is though - both ways are fecking boring!