Lisa,
Your picture is fabulous! You sure look great on your lovely new bike!

However, I do think you have some misapprehensions about clipless pedals and the shoes that go with them.
I'm a purely recreational cyclist these days, enjoying short trail/fire road rides on my mountain bike for fitness and fun, not speed or distance (been there, done that back in my roadie days), and I love, love, love my Speedplay Frogs! They are incredibly easy to clip into and out of, and the shoes I have are VERY, VERY comfy. Mountain bike shoes come in all types, from a Cannondale pair I have that look remarkably like your hiking boots, to sleek models that look like road shoes (I have a pair of those too), or the cool Keen Commuter sandals my riding buddy has and loves with her Eggbeater pedals. I got both of my pairs on sale, so they were not very pricey ($39 and $65) and have held up well. My shoes aren't so tight that I can't wear a variety of socks, from thin summer socks to thicker wool winter socks, and having the recessed cleats, walkability is not an issue as it is with road shoes/clips. Sure, I probably wouldn't want to walk in wet mud with cleats, but I don't really ride in it either!
The cleats definitely give me more power and speed on the hills, and they are so easy to clip into and out of that doing so at stops is just no big deal at all, no bigger than it would be to get into and out of Powergrips, I'd imagine.
I definitely believe in live and let live, so I respect your choice of Powergrips over clipless. It's definitely the more frugal choice. I just wanted to point out that some of your ideas about clipless pedals and cleated shoes are not necessarily accurate. I've heard a lot of complaints here about various pedal systems (and I've had my own issues in the past with Speedplay Zeros and Eggbeaters Candies), but I've yet to meet anyone who's tried them who doesn't like/love Speedplay Frogs.
