I understand your situation, I don't see why you coulnd't get something decent for under $200. My first bike, a Trek 800, was $200 and I loved it. I later sold that to a friend that abused it for a few years then he gave it to another friend, it's still being ridden today. I guess my point is...
If your looking for a quality bike, please make a trip to your local bike shop (LBS). There's no need to spend tons of money. You can get a entry level Trek or Raleigh for a few hundred bucks. Always ask for left over models from last year. The Trek 820 and the Raleigh M40 are good entry...
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