^^^ supports my experience and arguments...If you plan to ride at all I would suggest getting a decent used "brand" name bike. I quite often suggest to people that they head down to my LBS, they usually have several decent used bikes for 1/3-1/4 of new that come with a 6 month warranty and free 30 day check up. I buy them on occasion. My last one was a 2003 Staiger that will have sold for over $750 new, I picked it up for $175. That bike came fully loaded with fenders, lights, racks, V brakes, air pump and a Nexus generator hub
Aaron