definitely don't just jump into a purchase. if anything, you've got all winter to peruse and research before buying for the spring. don't give in to impulse!! ..it seems like you're in a rush for some reason. like i-float says, it's doubtful you won't have any questions unanswered between sheldonbrown and this site.
speaking about IROs.. i was at st.lawrence market on saturday and saw a white one locked up at the north entrance. i locked up next to it but it was gone when i came out. i think that's the first IRO i've seen in the city.