You can build your own custom bike cheap if you are a person super savvy about getting deals on parts, going to swap meets, perusing Craigslist, volunteering at Yellow Bike and contributing enough that they let you take stuff free, and etc. etc. No offense please, but from your post I don't think you are that person. Maybe you will become that, of course.

I would buy a complete bike as close as possible to want you want and go from there..

Don in Austin