As others have pointed out, ultimately the bike to get is the one that makes you want to ride, now. If that's a cruiser, cool. Will you bump up against its shortcomings in time? Maybe, maybe not, depending on how far you take cycling. But you'll enjoy it, ride it, and have a much better idea where you see this going in your life. If you remain content with the bike, fantastic - you're out there riding, improving your health and having fun, and no one can say otherwise. If, in time, you discover it's holding you back, then replace it. At least you will have had the fun and fitness of getting out there in the interim. Buying a particular type of bike you're not familiar or comfortable with, with the thought that you'll learn to like it, is a surefire recipe for dropping the sport like a bad habit as soon as the novelty wears off.
BTW, you're not a fan of Big Star/Alex Chilton, by any chance, are you? Or The Bangles?
