I agree that you have the right plan. If you are giving yourself time to save and decide then at least when you make a decision you will feel it will be well informed. I agree with Linberi, that you have to look at your other options. One consideration is how much you will be carrying. One of the bikes that I am pining over is the Belinki Cargo. bike. I had dismissed this style originally, however. it was the CarryGo people that added a nice box to this style bike that made me see the light. If you need even more room for Cosco runs then a Long John or trailer might be the answer.
Good stuff to think about. Keep us up to date and post pictures whatever you end up with.