A hassle? Sure. But you'd be surprised at how many mechanics and bike builders and sales folks in bike shops have lines on used bikes which are ready to ride for a fair price equipped with employee discounted parts which were used by the employees as personal bikes. They also know of customers wanting to upgrade to a new bike and who want to sell their used bike for trade-in value. Lifestyles have accessories, and those accessories make the rounds at times (sometimes for a song).
Still don't know where the OP resides so hard to say what he or she may be able to find locally. But it seems like the OP's biggest concern is not getting burned.
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Life happens, don't be a spectator.