I'm a newbie here and clueless about bikes. I would like to get a bike to ride for recreational purposes in city roads (Chicago) as well as off-road (dirt paths with rocks) in Wisconsin. I don't want to spend more than $500. The bike also needs to fit a front or back child seat so I can ride with my toddler. Don't want a trailer as I would not feel comfortable using one in the city. I would appreciate suggestions so that I am informed when I go to the bike shop. Thanks.