ridingmybike: Chakra's advice sounds wise...
I am a 50 yr old male getting back on a bike after 20 years. I did my research and settled on an Electra Townie 7 or 21. Went to the dealer and they didn't have exactly what I wanted but did have a Townie 24. A young salesman/rider steered me to a Cannondale Comfort bike which is very close to a Hybrid. I took the Cannondale out back and really liked the feel. Then I road the Townie and knew my instict was right. I felt steadier with the ability to put my feet down. An older guy who did all of the maintenance, etc came out back and we talked about the differences in bikes. He said to buy the one that feels right and "makes you smile". He said that is the one that will get you riding every day which is important. They had a ladies Townie 8 and told me to ride it to check out the gears. I did and loved the ease of use. Then I rode the Cannondale Comfort again and the Electra Townie 24. I didn’t enjoy dinking with 24 gears and liked the ease of use and ability to shift the Townie 8 when at a dead stop.
So, I then went inside and ordered the Electra Townie 8. Can't wait for it to arrive next Monday. :D
Bottom line is the older guys advice was the same as Chakra's. When I read her post I saw the wisdom in it and just wanted to share my experience and decision with you.
Good luck with your decision. :)