Thanks for the forum suggesions, I am on my way! Today I purchased a 2007 Trek 7.2 FX - a hybrid with road tires. I was drolling over higher-end models but decided I have to earn one first - ride well and long, earn the finer investment!
I am heading out for a helmet and a lock Monday. I welcome suggestions on either, (am looking for a good, light-weight helmet for hot, Sacramento summers), of course I will check for those threads.