No need to aspire to being an "elite" cyclist to ride. How many people in other recreational sports aspire to be in the elite? Thing is to get out & exercise & enjoy it. And it's unnecessary to spend $1000 to get a decent bike. Not that people don't spend that much & more for other recreational gear.
All the bad & hostile drivers out there may be the best reason not to ride, in the absence of trails.
Overchoice of bikes? Could say the same about cars. Go down to the LBS & talk to the sales person about what kind of riding you plan to do & what you want to spend & ask for advice. It's not so hard.