I'm glad you mention buying a quality bike. Because state side you'll have to spend a minimum of $100 for a Schwinn bike that can handle any distance plus another $20 for a quality "Kryptonite" brand "u-lock" style lock. A seat cover is also something to remember.
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Only $20 - I spent nearly $100 (equivalent) on mine! And buying quality is so worth it, I've NEVER had a puncture on one set of very thin road tyres, in many years. Of course, I might have just got lucky!
This post amuses me because the Kryptonite locks recently jumped in price as did the quality.
For my current two bikes the $20 lock is enough. When I move back out west and spend money on an actual good quality bike to run my errands with I'll be buying one of the $60 Kryptonite locks.