I think gyms are great for people with a good all over physique because it's then easy to build body definition.
...But I often see overweight people in gyms desperately trying to improve their appearance by pushing weights?!?! If they invested their time more sensibly elsewhere then they'd look fabulous in no time!
The answer??? 2/3 Bikram or Astanga yoga classes per week. It's fabulous stuff and guarantees to iron out your fat distribution. Also...when you develop, you'll naturally fall into the rhythm of a home practice, meaning you can achieve 5 days per week effortlessly.
Honestly, the weight will fall off, and when that's happened, you'll start to get an amazing body definition, the basis of which will lead to a perfect gym body should you choose to push weights again.
Cardio workouts??? Sh*te.