Maybe $60-70 in lights all told. Luggage rack was about $30, panniers would have been ~$120 but they were a gift. Bad weather riding gear is probably around $150. Then there's the $25 for a broken spoke and the $150 for a new wheel after the second broken spoke. And that's leaving out the stuff I would have used for leisure riding/other purposes.

I'm definitely not saving any money by biking given I already have bus/motorcycle options (and I have a motorcycle parking permit just in case I don't want to ride the bicycle for some reason ). For me, any amount of money seems worth it at this point to have a source of exercise that doesn't involve me going to the gym.