Well, living along the Mississippi the way you do, it sounds like anything 3 speeds and more will do fine. For now, estate sales, garage sales, thrift stores, pawn shops, craigslist are probably the way to go. Ask around among your neighbors, one may have a bike just gathering dust in their garage.
My main ride is a mountain bike modified for street use with street slicks, a rack, fenders and lights. The basic bike was a freebie, a lightly used 20 year old mountain bike that friends of my ex gave to her and she gave to me when she discovered that it was too big for her. It's been a rugged and dependable ride.
The important thing is to check the bike out before you buy. Be patient and inspect everything, and make sure it works. You can do it for far less than your budget.
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"He who serves all, best serves himself" Jack London
Originally Posted by
Bjforrestal
I don't care if you are on a unicycle, as long as you're not using a motor to get places you get props from me. We're here to support each other. Share ideas, and motivate one another to actually keep doing it.