I bought an Orbea Aqua Tiagra a couple of years ago, didn't want to spend a fortune in case I didn't get the cycling bug, so went for what I thought was a decent compromise. Don't regret it at all, and after 2 years and several thousand kms on it, I've invested in a full carbon jobbie. I'm keeping the Orbea as well, it doesn't owe me anything, Ive got more than £900's worth of fun out of it by far, and may continue to use it if I feel the need to keep the new Focus in pristine condition and Im going out in the rain. Did the ride to work thing as well a year ago, got a 29er hardtail for the forest tracks. That deal's finished now so might well go out and see if I can get a CX bike on the same scheme. Did the road bikes on interest free credit, and the c2w scheme works out very reasonable cost wise. But - at the end of the day the justification is more "why not - life's too short to be umming and ahhing should I/shouldn't I". This is the cheapest hobby Ive had in a long time - motor boat, light aircraft, fast cars, motorbikes...