I understand why you want the bike. Why do you want the Garmin? If 80% of your riding is transportation, do you envision using it for directions, statistics, social media via Edge or Strava? Is there a cheaper way of fulfilling those needs? Answering that might help you do the cost / benefit analysis.
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"I had a great ride this morning, except for that part about winding up at work."
Bikes so far: 2011 Felt Z85,
80's Raleigh Sovereign (USA),
91 Bianchi Peregrine,
91 Austro-Daimler Pathfinder,
90's Trek 730 Multitrack, STOLEN:
80 Schwinn Voyageur (Japan)