I've got some of the cheap lace up SPD shoes from Performance (prior black model). I think I paid $17.99 for 1 pair and something like $12 for another pair that was new in the returned bin. I agree about laces, they suck. Taking a page from my triathlete wife, I fashioned my own version of the expensive Yankz. The real ones cost $6, but the elastic lace costs $0.15/foot and the cordlocks cost about $.35 each. You need about 2-3 feet per shoe, closer to 2 I think. Singe the ends and knot them after you've laced & added the cordlock. So, for just over a $ you have a superfast lacing system that doesn't get in the way of anything. Easy on, easy off.

I've converted over other pairs of athletic shoes too.

I bought them for the same reasons you mention, comfort off the bike and walking around. They work great for everything. Hopefully that levels the playing field.