Thank you all for your wonderful input!

Yes, considering my interests, I will more than likely use the bike for commuting and off-road riding. I'm set on a cross bike!

Now...I've looked at some of the WSD models, including the Bianchi Bad JuJu suggested, but I'm wondering if I should invest in a custom bike? I am a newbie, but I also love the outdoors, and don't think the bike will collect dust. I want a bike I can keep for a long time, so I almost wonder if it is better to throw down more $$ now rather than buy a stock frame or bike.

What have most of you done? It sounds like everyone has more than one bike, but I will likely stick with one unless I get really serious about cycling...which may happen!