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OK, this is just my opinion, but I have some experience to back it up. I have a number of bikes in my stable including mountain bikes, road bikes, recumbent bikes, and a tadpole touring trike.
First, single speeds are fad bikes and are seriously overpriced.
Second, 29" wheels are good for serious mountain bikers who are over 6' tall, but are also a fad, and tires and tubes are going to be more expensive, and you're not going to find them at Walmart.
You can spend a lot less, and get a lot more bike, if you spend your money on a road bike that is a few years old, and if you get one that fits right you might actually ride it, and not put it outside for someone to steal, or hang it in the garage to collect dust, or put it in your bedroom to trip over and drape your dirty laundry over.
I'm a bike enthusiast and I ride a recumbent, but I can tell that that kind of bike would be way to nerdy for you.
Go to some bike shops, talk to the people there about fit, take some bikes for some test rides, see if they have a bulletin board for people selling used bikes, see what's on craigslist, and sit down and think about it for awhile, and don't jump on the first shiny cool looking bike you see, otherwise you'll end up with another bike that you might ride for 3 miles every six months and feel like it's killing you.
You do have to ease into riding, but the right bike will start to feel good shortly, and you'll enjoy it and look forward to riding. The wrong bike will always feel like it's killing you and you won't ride it.
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