It's funny. I just know you typed "thank you for your advice" but somehow it got garbled into more whining about feeling bashed and insulted.

You want to be told that full-time bike commuting is "right for you". Don't you get that nobody can tell you that? You can't even say that to yourself right now. You simply don't have any experience.

The most sensible way to try out a new hobby - especially for someone with very limited funds - is as cheaply as possible. See if you can maintain a commuting habit. See if you can commute in bad weather. See if you're able to maintain a bike, change flats on the road, etc. Then - and only then - you'll know whether to go for a more expensive bike and commuting gear, someday down the road. Several people have told you that. But you keep writing essays about hopes and dreams. Which just don't matter.