Mxch.. I also have Kaiser and totally understand your situation! But in my honest opinion brother you need to step back and really think about using gear to fix your weight problems. At 38%bf you should really consider going on a lifestyle change instead of a "diet". Here's what I can recommend, but at the end of the day you're going to make your own choices
1. 3-6 months of walking, swimming, jogging, and anything cardio related.
2. 1+yr change your eating, daily habits, and track your calories
Do these things first and you'll see results!!
Whichever road you take I wish you best of luck!