Assuming that the kids won't go hungry.... or utilities won't be disconnected.... get the bike. Maybe take the time to test ride... a step-up better yet... bike.
There is lots of comfort in having a back-up, spare, rain bike. Bikes do break, need parts, get damaged in wrecks, or even get stolen. And it's always nice to have a rain/snow/foul weather, and a "the street department has every road in my area under construction"... bike. Assuming of course... you have room for 2 bikes.