Just bought my first Trek - Navigator 2400 and LOVE it!.......I applied to store credit coz doggone it - THIS time I was gonna buy a good bike that fit me and "called my name"! I've had it about 6 wks and now wish I had another one! Why?.....coz I would also love to have a hybrid - ride to work AND go fast! but my Navigator and I have miles to go before we sleep. How much would I pay?.....How much would I pay for something that I'm going to put my body on and abuse the heck outta it while loving every minute? I would pay whatever it took! (and that would still leave me enough to at least pay for utilities!) Pay what you can afford - but don't skimp - not on this! Its too important an investment.