Also budget some $ for a different saddle, and possibly grips and pedals. The contact points on the bike are highly subject to personal comfort and preference, and seeing as how you are "getting back into biking" your butt will need some time to acclimate to a proper MTB saddle. Something like the Speed V might be a little too austere to start with, especially for casual cruising around. If you're not comfortable on the bike you won't ride it, and none of the good stuff will happen.

Zephyr's got a good point about geometry, when you ride something that feels good, check the top tube length against whatever you're buying - it's probably the most critical dimension.