I lived in Springfield, MO for a year and biked almost the whole time I was there. The mid-west summers are pretty humid, and if you're riding you definitely get sweaty since it's hard for the sweat to evaporate. To help with the sweat factor though, the hills are very minor hill there.

We have two cars. Someone mentioned that insurance between 1 and 2 cars isn't that big of a difference which is true. The wife uses one car, and the other is sort of a backup/better mileage car. It's paid off, so if we were to sell it we wouldn't really 'save' money besides the mostly small insurance. The part that saves money (for us) is having much smaller maintenance costs and lower gas costs.