Agreed. The bb'ers you spoke with are correct (of course as they know what they are doing) and I agree with the suggestion above you made in the cardio being done low intensity for 30-45 mins (I do 40 a.m. daily in the morning upon rising)
but never do cardio post-workout as that is time spent focusing on the critical post-workout nutritional window of increased uptake/availability.
studies show you have 2 hours for this anabolic window, though if you want to make sure you get in the cortisol blunting effects from PWO nutrition that is perfectly fine, either way, just though i would add this, you know whats best for you
Cardio executed at 65-75% of your max heart rate for 45 minutes is gold for fat loss and sparing lean muscle tissue. I am upping my 40 mins to 45 even though it's only 5 mins but at that point in the cardio I am burning a great deal of fat to fuel the session, so every minute counts.
It takes one roughly 20 mins (an ECA or CLEN can speed this time up) to break into the "fat burning/fatty acid mobilization stage, so at the 40 min mark I've been mobilizing fat stores for basically 20 mins and 45 mins would then make that fat-blasting time 25 mins so it's beneficial to crank out that additional 5 mins being I am in full fat-4-fuel mode.
this can be sped up with fat mobilizers/oxidizers such as caffeine(stimulates release of fat into bloodstream and oxidizes fat for energy), CLA, and L-Carnitine as well
Tis' the reason I love and highly recommend "a.m on empty after rising" low-med intensity cardio. The eliptical trainer is my fav choice of equipment. It's low/no impact, you get to move your arms as well as the legs, and the arms are at or ABOVE your heart level, thus making the bodyparts used very high in count, enabling one to get into the correct heart-rate zone very quickly. The arms at or slightly above heart level is another benefit as well.
Those are my 2 pennies.
'Layna