Have you looked at used bikes? I just got a really good deal on Craigslist. It took a long time, but I found exactly what I wanted -- like new and about half retail.

It has slightly smaller tires and different shifters, but I hopped on it and rode home (in Manhattan) with no problem -- though I did wait till after rush hour.

Why don't you just start looking for bikes and see where it leads you? You can get good advice about bikes here -- I got a whole tutorial on how to evaluate a used bike.

If you don't want people commenting on your personal life, just don't mention it.