Okay, another thought just came to mind.

It's been a while since I've ridden a bike (aside from the test rides which barely count). Although I used to work as a delivery boy, I always still get a bit nervous riding on the street with cars and stuff. Likewise, since it's been a while, I'm going to be nervous and not quite as sharp getting back out there.

I could possibly buy the Novara Buzz One now, use it to get around and get acclimated into this whole cycling thing. Along with that, I'll be riding on the street and hopefully be getting comfortable and used to riding on the street.

By then maybe I will feel the need or have a better understanding of what I might need in a new bike with gears. Likewise, N+1. I'll get my geared bike later on when I know what the heck I am doing, feel comfortable on the street, maybe know some mechanics who can hook me up or better yet have an understanding of how to fix and maintain bikes myself (I won't feel apprehensive about not knowing how to adjust things and maintain things like I do right now).

Of course everything I just mentioned pretty much sums up what everyone on this forum has already been telling me. But it rationalizes getting the Buzz One (an inexpensive single speed with a good warranty) right now over some of the more expensive bikes and the geared bike(s) I've been looking at.

Something I wanted to ask you guys about safety that might rationalize getting the Jamis Coda or another geared bike.

Riding fast (maybe more capable on a geared bike) and keeping up with traffic when you are an inexperienced cyclist, is that safer than riding at a more relaxed pace on a slower bike and letting traffic pass you?
Or maybe just in general, how does that work for you guys? Do you feel it's safer to go fast with traffic or a bit slower and let traffic pass you?