Gear: you haven't mentioned riding gear, what is your budget and plans here? I see all types on the roads (including no helmet

), obviously it's possible to spend silly money on riding gear but you don't have to pony up that much these days to get a decent set of functional riding kit.
Maintenance: how much of your own work do you want, need, or have to do? The absolute basics are keeping the bike clean, lubing and tensioning the chain, maybe basic servicing like valve clearances, filter changes, oil changes. I hope this doesn't put you off. It's way easier to work on most bikes than it is to work on most cars and if you can do these then you can save yourself a lot of money over the years.
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