I bought a Kona Dew ($400) about a year ago. I use it as a utility bike and rode it in a triathlon. It is the "lowest" of the 4 levels of Dew, but it was marvellous for my needs.

Later I bought a road bike, which I use for the long rides (40+ miles) because the Dew's flat bars and aluminum frame just aren't comfortable after about 30 miles.

I like having a "utility" bike for errands and commuting and to lend out to people, and a "zoom" bike for the long road rides.

(Right now I'm in the throes of severe bike lust, yearning for a Surly Crosscheck to be my new utility bike.)

I would recommend buying the bike you love NOW, rather than buying one you think you might love later. (later you might actually prefer something else entirely!)

If you buy a second bike later to meet other needs, no worries! Your first bike still has a purpose as your utility bike.