5' 1", 57 year old, fat guy here.... Been riding the recumbent stationary bike (thirty minutes interval training 3 times a week, thirty minutes steady in the "fat burning" zone 3 times a week). I've also been training with dumbbells ("push/pull") 4 times a week. And walking in my designated target/fat-burning zone for fifty minutes 5 nights a week....... (still eating what I damn well please though.....) I hear that riding a stationary bike nowhere resembles the benefits (fat burning) of riding an actual bicycle out in the real world. So I see this sexy two tone green bike with fenders, headlamp, tail-amp, disc brakes, luggage rack, leather saddle, and matching leather grips on the curved flat black handlebars..... for sale at REI. Last year when I first saw it, the bike was fetching a thousand bucks (!!?!), this last week (today may have been the last day of the sale) the price was reduced to $449.oo And then I go to a couple bicycle stores today to look at "Hybrids", "Hybrid/Comfy", and "Townies"..... I saw bikes with actual suspension, bikes with 21 speeds, and bikes with 8 speeds. I don't know what I'm looking at, I don't know what I want. All I know is that I wanna benefit from riding a bicycle at a steady pace for exercise, grow comfortable with having to sit on a saddle, feel challenged, maintain an interest in riding, and get a bike good enough to grow into ---- without having to spend the big bucks, I don't know enough to buy used..... besides, it's gonna be difficult to find something that will kinda fit my short arms, challenged inseam, and height. And who can't fall in love with a brand new shiny bike?!? Brand names to look for? (brand names to avoid?) Features to demand? Suspension or not? Looks good & is a quality product? Can anybody help me to sort this all out???