And then on top of that is the gear and the insurance, which will cost more since I got a ticket last week for 45 in a freaking 40...

And the ticket is gonna set me back $103 plus whatever defensive driving costs.
AND I look at Craigslist/CycleTrader and salivate at all teh great deals that I know I won't be able to find when I'm actually looking for a bike (because the world works that way).
And...and that's it. Just wanted to get that out and on the table. Oh and if you have like, a free bike. Send it my way.
*steps off his box*