Take out "bike" and substitute "bass guitar" and you describe my identical dilemma as I retired. And for about the same cost. Fretted for months over it (ironically, because it's a fretless bass)
Regrets?
NONE!
best money I ever spent. Love that baby every time I pick it up, which is pretty much every day.
So I'm betting you'll amortize your cost with pleasure every time you hop on that bike.