the test ride, I couldn't not have it.
I put it on layaway, and paid as much as I could as often as I could. I'd wanted to have it within four months. The Fates intervened, and between that and eating a lot of ramen noodles, I had it within two. I've not looked back. Every ride is a pleasure, and six years later, it remains the one bike I'd keep if I could own only one.
So remember, layaway is an option and you've got four months until spring. That's about $40 a week. I found it was a lot easier to make payments on something where I'd already put down a deposit, rather than stuff it in the piggy bank--less temptation. Plus, it kept the bike reserved for me.
As for your routing, really the only question is which way to choose to get to East River Rd. Or that bike path to RIT. I've never used it becasue I've never needed to go there, and it looks better suited to hybrids rather than my roadies.
Anyway, I'm not fond of Joseph Ave. Ford St is okay. You can take it all the way to the Riverway, although the bridge can be congested at certain times, so you might want to start on the west bank before crossing to the east bank in UR. Alternatively, turn on to Plymouth at the roundabout. Plymouth is really low traffic and well paved.
I really like Genesee St since they repaved it and painted sharrows on it this past summer. It made a huge difference in how I'm treated in traffic. I use it daily from Arnett Blvd to Brooks Landing. From your neighborhood, I'd use Brown St to get there rather than West Main.