If you have the money,
buy the bike you want. Bike maintenance - although I'm no expert at it - is relatively straightforward. Just be prepared to pay a bit to get expert service at your LBS if you're not willing to drive the distance (or ask a friend who is more experienced to show you the ropes!). The LBS by my place is quite reasonable. $40 for a seasonal tuneup, and they do a good job, often doing the "little things" for free. Heck, I've bought so much from there, they just give me a 10% discount if I ask.
If you don't get the bike you want,
*every*single*time* you ride it, you will keep thinking you should have bought a different bike, and you'll have buyer's remorse to no end. You'll complain about the colour to your spouse, your kids (if applicable), your friends, your co-workers. Save yourself and your family the grief - just buy it!
