Budgeting $500-800 for bicycle (including shipping if necessary). Figuring a total of $950-1000 including all necessary items such as Freddy Fenders, lights, paniers, mirrors, helmet, etc.

I'll be carrying work clothes, normal briefcase/backpack items (e.g. - laptop, PDA, paper day planner), and occasionally a day's shopping for dinner on the way home.

I'll continue to use car when shopping for weekly groceries (3-5 bags full) and/or larger items. At least, until I can budget a good trailer for hauling larger amounts of items. Will also use car on snow days, as streets are especially tricky here in the Denver areas on the days when snow falls. Day or two after is no problem, usually, and I'll be back to biking on those days.

Cold is not an issue, as I've already got REI gear to manage down to -15F. I will be buying goggles to protect my eyes, but those are in a different budget as I need them anyway for high-mountain hiking.

Oh! I looked at the Kronan Classic as an option. According to Kronan, there are simply no authorized dealers for the USA/Canada, and if I'm going to ship something from GB it'll be a Zero.