Livre d'Or

I suggest that for cycling about Cambridge, particularly if you're planning to cycle in skirts, a full chain guard and a skirt guard are very much worth it.

I bought my bicycle secondhand from Ebay. It was less than 50% of the price if it had been new. My feeling is that there is a time, cost, specificity trade off when buying bikes. Lots of people will pay a premium not to have to spend a month searching Gumtree for a suitable bike.