I have bought my last couple of bikes second hand from ebay/Gumtree for a fraction of what they were worth. Always a Helmet for me though and maybe a sneaky pair of padded shorts under my walking pants to avoid a sore butt.'Just a bloke with a bike'
Thats me that is, although its a few bikes. Sometimes i ride a lot and sometimes i go weeks without riding. I dont own any lycra and never will do and i rarely wear a helmet. I ride wearing fleeces, jeans and hiking boots when its cold and t shirt, shorts & trainers when its warm. No interest in speed or having to do big miles. I wont own or ride BSO's, but neither do i buy expensive bikes, entry level bikes or low cost used bikes suit me fine.
I like the fact that once i've bought a bike, the ongoing costs are so minimal its insignificant...... whereas my motorcycles & car cost me a lot of money even when i'm not using them.
Bicycles are just something thats enjoyable to use when it suits me, and they're just another one of my means of personal transport.