First...kudos to you for heeding your doctor's warning. Combing weight training and cardio along with a clean diet is the best way to reduce your weight and bring your cholesterol back in check.
Cardio...any cardio is better than no cardio. And since you want to bring your cholesterol down you may want to consider fitness walking, meaning taking a 20 minute or so walk 4-5 days a week, as well as the skipping, sprints and/or training using a treadmill and elliptical.
Have you trained in a gym before?
As for just training the lower body to 'spot reduce'. It really won't work that way.
Since you are joining a gym I would first suggest that you talk with the gym staff. Many gyms will or do offer help to new members. Showing you how to use the machines and free weights correctly as well as having basic charts for weight training on hand that you can use.
If that is not an option at your gym let me know and we can come up with a basic three day split that will help you get started.
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...I am the wanderer's wandering daughter...
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