Now that it is close to winter bike prices should be coming down. My winter commuter bike is an old sears with fat tires that I bought for $5 at a yard sale. After I put a light, rack and fenders it is a great commuter. It is so ugly that no one wants to steal it! I work in Philly which has the highest rate of bike theft in the nation. I suggest you continue to check Craigslist ofr your winter commuter.
John