I'll let you know once I get a nice bike.
My general philosophy, though, is if I can't afford to really use something, don't buy it. When I buy a nicer bike, it will basically be an upgrade to my low-end hybrid/comfort/commuter bike, which is very much in the "it ain't pretty, but it works" category. I ride to get around and have fun. If I'm not going to be able to use the bike for those, what's the point?