I’ll give you a BIFL answer that’s not super heavy on performance. I’ll assume your primary goal is commuting or some light exercise.
- Stay away from carbon fibre. Stick to aluminium or better yet, steel.
- Choose a bike that has a fanbase. For example Bromptons or Surlys are expensive for what they are but you can maintain them for a lifetime.
- Stay away from the cheapest bikes. If you’re going for a low budget bike try to stick with a mainstream reputed bike brand like Giant.
- A belt drive is more hassle free if you have the budget.
When they say they can’t afford to forgive student loans, this is what they mean. This is where the money went. A trillion each year into the military that can’t say where the money went and fails the audit each year.