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I think it all depends upon what you intend to get out of your bike. I have a coworker who has a bike riding group from her health club that regularly make 50-100 mile day trips. They are serious about their biking and I doubt one of them own a bike that retailed for less that 3k brand new.
If you are just thinking you want to get some exercise and go for short trips, bike 10-20 miles here and there I am sure you can easily find a bike that will suit your needs without bleeding your bank account. Know what it is you want to do with it, where it is you expect to be biking. Is it on bike trails with good asphalt surfaces or dirt trails. Go to a bike shop they will make sure that you are fit with a bike that you like, that will fit you properly as well. I think that is a big issue with a lot of people, finding a bike and getting it adjusted comfortably. Also keep in mind if you have back troubles for instance you may want to consider a recombinant bicycle.
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