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I wouldn't bother with fairings unless you're going for a speed record since that commute is so short. Perhaps a small rack in the back would make the bike more useful for other trips as well.
I also wouldn't bother with school unless there is a career goal that requires a specific diploma.
Good call on just riding a regular bike. I'm all for tinkering, but that is best done with disposable money, not student loan money.
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