I'm 6ft, about 335 lbs (Hey, that's down from over 425!) and had pretty much the same concerns as you.... Not worried about speed, worried about getting back in, worried about it swamping...
I'm wishing now I had waited another month, saved a little more and gotten a decent Sit-On-Top and added some thigh-straps to it.
Self baling (With the scuppers), and no cockpit to try to get back into. It's not just an issue about the size, but I have a hip/back injury from a car wreck (Why I put the weight on to begin with) that makes it even harder to get in and out of a cockpit.
The inflatable I have now swaps like crazy with no easy way to bail (Short of stopping and sponging it every few minutes). And, there is no way I would try to get back into it on the water. I would hold on and use it as a float and kick to shore.
PFD's (Life Jackets)
URCHIN Portable Anchor
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