You a cyclist? I checked out a local bike shop today and was very glad I did, serious bike nuts there, got lots of Park tools and eggbeater pedals, a nice selection of singlespeeds many with flip flop hubs etc.
I had my motorcycle insurance go up 3X, I think it's a booboo on the part of the insurance co and I'm going to go talk with them, but if it really is up, and keeps going up, obviously it makes sense to have a bicycle too, heck it does anyway. I have a nice little grey Schwinn lugged frame road bike I was given for free, a $4 Burley trailer, and am looking at getting it all roadworthy. I love how anything that ever needs to be done on a bicycle can be done by yourself, even the bottom bracket if you get the tool.