I did it. I bought a bike. Well, I ordered it, and put money down, but it will be a bit coming.
And, it looks like I've decided to go with clipless pedals (at least on one side).
I went today and tried out another bike, and decided on a different one. (I tried out a standard, first with the seat a bit forward--result: wrists, arms, shoulders happy, legs not happy--then tried it with the seat back to normal--result: wrists, arms, and shoulders unhappy, legs happy.) So, we checked the measurements and I'm going with a women's specific design.
Test-riding the bike twice took a bit more time than I'd planned, and I wanted to go to the local Pow-Wow. So, yes, I went to the Pow-Wow in my biking clothes (and shoes). And I danced (it's harder than it looks!!).
I'm pretty sure there's no more geeky look than a middle aged woman in biking clothes "dancing" in a Pow-Wow.
No, apparently, I have no shame.