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I agree on starting out on the best you can afford comfortably if you are absolutely certain this is a sport you want to delve into. Otherwise, if you aren't sure, or aren't too passionate about it, I'd get a starter used bike first.
If you are into it already and you do get a bike that isn't quite up to spec that you wanted, you realize there's always something better and to upgrade it to the level of the next tier up, you'd be spending more in the long run to get the bike to where you wanted it to be to begin with. The only thing is you never know you love the sport until you try. If I had to do it all over again without knowing what I know today, I would have done the same thing. The journey is more rewarding than the destination, I find.
I went from 94 woman's Canadiana Pathfinder with a warped wheel rubbing on the brake to a Jamis Ventura Comp, to a Roubaix comp, to a langster, to a groundcontrol mountain bike, to a state black label before finding out I really love to ride and work on these things. I really love SG/FG and the simplicity and I'll most likely build another frame at some point.
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