Thanks for all the replies & encouragement! that Danskin tri looks promising! I think I can get a membership to a health club with a pool through my work; I will have to see if they offer any swim classes.

With winter on the way I may have to invest in a trainer - I will ride when it's cold, and I will ride when it's rainy, but I don't like riding when it's both at the same time. Guess I could do the stationary bike at the gym but I kind of prefer my "normal" bike and posture.

I'm sure I'll be asking for more advice later, so stay tuned....