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@wools
Tell me about it! Putney Cycles let me use the full Cycle Scheme 'allowance' and pay cash for anything I wanted that went over the grand. I imagine other shops in London wouldn't have an issue doing the same so at least that gives me a few more options.
I know this is an annoying 'how long is a piece of string' question but sort of money would get me a decent first road bike that would keep me satisfied for a year or two. You know - something to learn the ropes on? £1.5k do it?