I would definitely say go for the bike that fits the now, tho' if waffling think "a little lighter" - so I think you're right about the Townie. Last night on our Pedaling For Pleasure ride there were four or five folks there on hybrids who did fine but the lady on the real fat tired thing regretted her choice and worked very hard.
And I have to encourage thinking "practical cycling," too, though I suppose you don't actually have to get an Xtracycle

My minimalist rider friends, I noticed when I started *all* still had three thigns: gloves, helmet and toe clips. (I didn't think about glasses because I got those anyway - hate bugs in my eyes ) You don't even need toe clips or clipless (or Power Grips which I have ordered and will try!) right away. Then you add what you like...