It looks like I got more than I was asking for in terms of advice! It's good to know these things- finance, taking care of the body, knowing your limits, etc. I enjoy bikes as much as the next person here, which is why I tend to ask these somewhat ridiculous (to some) questions- I want to maximize the time I am able to ride while still young and flexible. For example, osteopenia isn't something I considered when cycling.

Cheers.