Hello. I am not too experienced with bicycles. I have a few questions on what kind of bike I should get. I live in New York City. I need a bike to commute to work, exercise and some recreational riding. I need a bike that is ideal for pavement, light trails, some gravel (possibly) and urban riding. I would need a bike that will be able to conquer pot holes and curbs as well as some light trails in Central Park. Does anyone know what kind of bike would suit me best, but will not break the bank? I would like to spend at most around $500. PLEASE HELP ME!!!