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@nohwol
From my experience I will say that it is worth budgeting for a bike you actually want, not one full of half-measures. Unless you are planning on throwing this together in a couple of weeks, you will naturally have a fair amount of time to get some extra money and to hunt for bargains. Ultimately you will probably end up spending less, as in your quest to buy cheap and then replace you will come to embody the principal of "buy cheap, buy twice."