My wife and I are similar. After having many bikes stolen over the years we buy used bikes from a local non profit here in SF that benefits at risk youth. We

My wife and I are similar. After having many bikes stolen over the years we buy used bikes from a local non profit here in SF that benefits at risk youth. We get a bike for a few hundred dollars that works great and we're not afraid of being stolen, they get something for the kids to work on and benefit them. We love biking around the city, nearly all the value is not in the bike but in the experiences, so it's not really needed to get a fancy one, the big thing is to get out and ride.