I agree Solarwind, a decent second hand bike is the go. Get it well checked if you dont have a good workshop. I've managed to get by with some dodgy ones because we have a good workshop at home, but it wouldnt be much fun without all the tools.
Gear can be bought second hand.... get new gloves, boots and helmet. Jacket and pants can be done second hand. Or at least thats my impression. Second hand boots are often worn out and uncomfortable, but you may be able to pick up some nice pieces as all those older ones rediscovering their youth decide that its too cold for riding in the winter and the new bike is too scary for them, and the wife makes them sell it all... apparently a few sets of gear + bikes come on the market in the next few months...
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