chain drive or belt drive

I'm looking to purchase a spinning bike for my home. I've ruled out a couple from reading reviews saying that they are not for short people. I'm only 5 feet tall. I would think there would be more maintenance on a chain driven bike vs a belt drive. My gym has Schwinn bikes which I think are chain driven but they are out of my price range. If I understand it correctly, that the heavier the fly wheel the better. Has anyone ever purchased a refurbished bike? Any help will be greatly appreciated. I noticed on Amazon that they have a lot of brands of bikes.