Hi StaceySue! I've just very recently experienced everything you're talking about.
I bought my first bike in many years just 3 weeks ago: a Trek 7200 WSD. I kept it two weeks and upgraded to the Trek FX 7.5. The shifting is a bit awkward on the 7200, the grips hurt my hands and it's slower and heavier...BUT.
For what you're going to use the 7200 for, you can't go wrong. The 7200 is simply superb on fine gravel. Today, I went on a 17 mile ride on mostly fine gravel trails. The FX is okay on this surface, but not ideal. I kept thinking throughout my ride that it was too bad I couldn't keep BOTH bikes: the FX for streets and paved trails and the 7200 for the plentiful gravel trails near my home.
As for the hand numbness, I feel your pain. The ulnar nerve gets squashed when your entire weight is on the heel of your hand. Gloves have helped me somewhat. The grips on the FX are better but still not a cure all. I'm working on strengthening my core so I don't lean so hard on the grips. But you're right, an adjustment might help you here.
Like you, I like to wear yoga pants or jeans and resisted the Bike Outfit. However, the FX has no chain guard so that lasted about 5 minutes. And, as much as I went kicking and screaming into REI to find bike capris (I refuse to show my thighs), I am SO GLAD I did. In fact my sit bones are quite attached to the chamois, and thank me every time I get on the bike now.
Your local bike shop (or "lbs" on this board) should help you with a good saddle and proper fit. Your toes should not be going numb!
Welcome! And before you buy the bike, make sure you can trade, return or upgrade should you need to. I tried the Cannondale Adventure and liked it quite a lot as well and that's within your price point. The seat on that bike was super comfortable as well.
I bought with my shop because they were clear that if I didn't like the bike I could return it for a full refund, upgrade, downgrade, whatever within 30 days. I think that's a policy you should go with.
Best of luck and please let us know what you choose!




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