Go to a bike shop and tell them exactly what you've posted here. For a first time buyer a bike shop is the best resource; you don't know your measurements so you can't order online and you don't have sufficient knowledge to buy a used bike. If your overall budget is $1000 then spend no more than $750-800 on a bike. You'll need to spend the rest on helmet, lights, lock(s), and parts. Parts consists of stuff you need for daily maintenance, such as a floor pump, frame pump (in case of road side punctures), chain lube, degreaser (to get rid of dry lube), etc. You might also find that there is a discrepancy between what you think your needs are and what they actually are. You should get a bike that you have potential to grow in, especially if it's going to replace a car. A single speed bike (which is what the loft 1 is) would be perfect for a 5 mile commute, but rather tedious if you have to go further and if the terrain changes (read: hills, not necessarily steep ones either!). Don't be concerned too much about brand names, at the end of the day all bikes do the same thing regardless of their decals. I'd personally recommend road/cross bikes over city bikes, but I'm quite biased. If you do go the road bike route at $800 you're likely end with something slightly above entry level. Just be sure to ask if the bike has rear rack mounts and fender eyelets. You should also ask [the shop that you visit] about cyclocross and hybrid bikes as well.

This should go without saying but be sure to visit more than one shop. Ask about their tune-up policies and bike fitting. If anyone of them offers less than a year of free tuneups then go elsewhere. Bike fitting is important as a pre-assembled bike might not conform to your body's specific dimensions and will be uncomfortable on longer rides.