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Spend a few bucks more and get a 90s road bike with rack eyelets so you can put a rear rack on the frame. Old 10 speeds are just too outdated. I have a trek 1400 for sale, still has downtube.shifters but is noticeably faster that a steel ten speed with 27" tires. It should sell for about 200-240. Just an example, I am not in your state.
Get clipless pedals. Mtb style shoes are easy to walk. Clipless pedals greatly increase how much power you can apply to the bike. maybe wait till you are comfortable with the bike first.
Don't wear cotton if its warm or hot. Many nice collared shirts for golf that are moisture wicking. Or wear bike gear then change.
Fenders and good lights are a necessity. You don't need to spend $100 on lights though. Look at dx.com. I use an 18650 battery flashlight mounted on my bars. Crazy bright and $20. $5 superflash clone.
Backpacks get hot and sweaty. A pannier on a rear rack is much more comfy
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