avoid humdrum but difficult training. This allows you to gain the additional benefit of scheduling your training to peak for certain events year round.
You sound like a perfect candidate for a heartrate monitor. As you train to loose serious amounts of fat and to build muslce mass, it's difficult to measure your body composition with just a scale. More muscle, more weight, less fat, less weight. There is a point where your fat goes nowhere and neither do your muslces. This is the point where you MUST increase caloric intake to allow your muscles to heal after workouts rather than fight for every calorie just to keep your switch in the 'on' position. Most people then start to really watch caloires and add them in measured doses. The heartrate moniter comes in to help you understand where in your sub maximal range yor workouts should fit, and for how long.
Matching your cardio exercise with your quantified caloric intake prevents injury and overuse. Again, not that you suddenly can't complete your workouts or even work out just as hard, its merely that your gains will become smaller and smaller well before you reach your body's maximum capabilities. You might otherwise get stuck in a cycle of needing to work harder for less and less. If your final 20% comes at point X in your workout life, you don't want to start creeping forward in your gains too early.
Plus, the monitor is awesome for cycling as it allows you to really understand how hard you are working in a particular gear with certain RPMs. Everybody counts RPMs, but the real benefits come from matching RPMs to BPMs.
Check out the Polars. They are really good.
http://www.polar-heartrate-monitors.com/
Also, consider varying your ratio of activities to fit your event schedule. Cross training is great, but it doesn't hold a candle to training in your primary sport. Ratchet each up and down throughout the year. Also, you can take a few days off. Take only a 2 mile walk in the am and see how you feel on that day of rest. I bet you first day back to regular training will be full of energy.
Congrats on dropping the pounds, but keep at it. You live in a great place to stay fit.
-Dan