Aren't garage sales gonna start up soon? Grab a used road or touring bike w/ rack and fender braze ons. If it already has a rack, even better. Scour the mechanics forum for info on how to clean and tune it up and call it a day. Zip tie a milk crate to the rack, maybe a basket up front and you've got the same transportation your dad had millions of years ago. Who knows, you might still be growing so I wouldn't spend crazy money on a bike that may not fit in a year or two.