if you want to check out components on stock bikes check out http://www.bikepedia.com/ they obviously dont have all of the information for things you might be looking at but just for a general sense of what you might be expecting to have equipped on the bikes you're going to buy stock. I have to agree with Phil_gretz's partitioning of your funds, as he said...

Divide your budget into three piles:
- necessities (helmet, frame pump, floor pump, spare tubes, tire levers, water bottle)
- nice to haves (cycling clothes, eye protection, etc.)
- bike (what you have left)

although if you are looking to do any riding over 10-15 miles (which from your post I'm assuming is the case I would put cycling shorts in the necessities section.