Howdy and welcome to the forums. I'm here in Texas now, but lived in Fort Collins and Loveland for 5 years back a few years ago. Great place for hiking, too, and that's what I did. Check out the local bike stores if you haven't, they may surprise you; some are better at dealing with newcomers than others. There's some northern CO people here and also on Bikejournal.com.
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"be careful this rando stuff is addictive and dan's the 'pusher'."