I'm really not sure about the disagreements

anyone who has gone through a life style change knows it hard. No reason AFAIK to state the obvious repeatedly then quote it. It is the same reason I never tell anyone to RTFM if it was that easy why bother. Look IMHO we are talking around the issue, in spite of what I believe is a fixation on diet the three elements remain true. Cardio, diet and exercise are all key but to loose weight and keep it off you must have a strong Cardio component.
Hard, yes all day long and into the evening, does it hurt yes, are you going to be hungry, sometimes you bet your life when you first start. I'll go a little further what kind of Cardio depends on your age. I'm in my 50's so I walk. I walk 5 miles a day as fast as I can, it usually takes me 75 to 80 minutes. When I first started I could barely make it around the block but in 6 weeks I was at 3 miles, in 2 months at 5 miles. Jogging is not recommended for people my age and I'd say the risk of injury is not worth the difference in time saved even if you are 40 unless you have a history of jogging. I do core training, modified core training. Standing crunches, hip digs if you have seen a belly dancer you've seen hip digs a total of 30 minutes. I also do some stretching, shoulder rolls, knee bends that bring my workout to 45 minutes. On odd days I do some core weight work with 30lb dumbbells 3 sets of 30. 20 lbs dumbbells 3 sets of 100 and 4 sets of 100 curls with bands. The workout is 45 minutes depending on how I'm feeling no two days are the same.
Its taken me almost a year to get comfortable even though I was only out of the loop with weights for 7 years. You are not going to get big during modified core training, its toning and strength only. You have to work your way up to the weights you need just as the degree of movement in the standing crunches depends on your conditioning and body elasticity. Bigdaddy can tell you people stop exercising and running because they get injured or bored. Look you have to start somewhere and the beginning is as good a place as any. Encouragement I can help you with, I can even give you some of my horror stories to help with your determination. No one can provide the main ingredient
desire you have to want to change. I can tell you this, I'll never gain the weight back. I know the weight is a killer, without any warning my best friend had a stroke while driving his grand kids home, he's about the same weight I was when I started my program. Only by the grace of God is he alive today, the stroke caused no permanent damage AFAIK. He laughed at me when I first started, after a few months he looked at me like I stole something

I was just lucky and I know it

I don't want to think I could have helped and just sat by and say nothing. My solution may not work for you but it is one solution.
Jimmy