I have seen the Varsity at wall-mart, scary. A denali(Denial) by any other name will look as bad...

I Might Have $500 tied up in my three best bikes, Total. All are older, decent steel frames from real bike manufacturers. All are generally bulletproof. A little skill with tools, and time spent at the thrift store/bike forums/flea market goes a heck of a long way.

And, being back in college at 30, I am below the poverty line.