I agree with caligirl2. I recently returned to cycling after not cycling since I was a kid. I'm now 50.

I bought a trek fx7.2 womens specific design which I find very comfortable and easy to ride. I rode it straight from my local bike shop after it had been set up for me and I haven't needed to have it adjusted since. I find the saddle it comes with perfectly comfortable and the only accessories I had fitted were a bell and mudguards.

Welcome and have a great time!