This is my first post asking what kind of bike do I want to buy. I want one that will be used in NYC this summer and ultimately for college in St. Louis this coming fall. I would use this bike mainly for riding throughout the city and to and from classes. I would also occasionally want to use it for longer rides/exercise. Do I need multiple speeds? I'm pretty sure I don't want a fixed gear, but is there such a thing as a fixie with breaks because I definitely want breaks. Maybe a single speed? I definitely don't want to buy a frame or something and build; I'd like to buy the whole bicycle. My price range is around $400-$800 with a little flexibility. Any help would be greatly appreciated. Thanks.