Hey Sandra, a couple thoughts.
My mom was raised in Nebraska during the 30's. She was always frugal with herself (though generous with others). And, I saw two sides to her frugality. (1) Sometimes her frugality really pleased her...it tickled her and made her smile to save on some things. (2) Sometimes her frugality was all about the voices in her head from her upbringing giving her guilt induced messages that no longer really fit the truth of the situation, and were all about her low opinion of what she deserved.
Only you know if either one of these scenarios might be applicable to this situation for you. I saw my mom pass up a lot of pleasures due to reason number 2...things she absolutely could have afforded and would have enjoyed. This made those of us who loved her quite sad. If your husband is encouraging you, I would say really, really consider getting the bike you want.
It is tempting to toss numbers and justifications at you as to why I believe the bike is not as big a risk as you might feel (i.e. it really doesn't need to be perfect...it would not be the end of the world to resell it, etc.). But, maybe this is an opportunity to try on a new mindset, especially when your husband is so supportive, and when you're not talking about a truly huge purchase, like a house, or a lifetime commitment like adopting a baby, or other such decisions.
Hope this doesn't sound too preachy. I say go for it, Sandra.
"The best rides are the ones where you bite off much more than you can chew, and live through it." ~ Doug Bradbury