Sounds what your looking for is 2 bikes. Like my old bike and my current one. My old one was a Gary Fisher Zebrano S Hybrid. Good for off road and you can take it on the streets. It is a little heavy though, with the suspension it was a 27speed. New goes for about $400. My current bike is a Trek pilot 2.1 spa this is a 30 speed and goes for around $1700. But whatever you decide to get, remember to get one in a size that fits you.