I used to limp along on Xmart bikes mostly bought used or given to me. My current Trek 520 with replacement rack,titanium, winter tires, panniers, studded tires,...... About $2,000. But that will last for a while. I added a spare front wheel with dynamo, spare narrow wheel with flat spokes. Things get changed around for weather conditions. Forgot the moose mitts (poagies) for winter.