If she weighs 300+ pounds like you say, then she might be best off buying a new bike rather than one from Craigs or eBay.
You don't know how a used bike has been treated or if there might be a flaw developing in the frame.
Having a frame fail while riding could really ruin biking for her.
Steel might be better than aluminum, but what really matters is how she feels on the bike. The best way for her to get a feel for what kinds of bikes feel good is to go to a bike shop and try bikes. Lots of bikes, any that appeal to her no matter what they cost. Try bikes first, worry about prices later.
(Kona makes a lovely steel utility bike that comes with fenders already and is very comfortable, and costs about $350. This is the 2007 Smoke: http://www.konaworld.com/bikes/2k7/SMOKE/index.html This is the 2008 Smoke: http://www.konaworld.com/08_smoke29.htm )
If she's reluctant to go to a shop because she's shy, you can do what I did. I went to the LBS, told them what kind of bike I was reasearching and who would be riding it, got an advance look at the "good" bikes, discussed steel vs aluminum frames and how they'd handle the stresses. You can also say: "ok, we'll be coming in at this time and on this day, will you be here to help us try these 3 bikes?" Then it's all lined up, shyness doesn't have a chance, and the bike shop experience is a good one.



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