I used to cycle extensively, both road and mountain. I think my biggest year was somewhere north of 3,500 miles. (I know that doesn't SOUND like a lot, but when you consider that 4-5 months a year it's pretty difficult to ride here that mileage is a commitment.) Anyway, here's my advice.

The first and most important thing is to get a bike that works well (mechanically) for your wife and is COMFORTABLE for her to ride. If it doesn't do those two things, then she won't want to ride it. You are spot on in your observation about components. If I were buying a bike today, that's where I would put my money. Now here's the honest truth. If we're talking aluminum frame bikes (and at this price point we are (and there's nothing wrong with that)), most of the second tier bike manufactures buy the same identical frames from a handful of overseas manufactures. All it takes is a simple google search to find this out. Where was my bicycle made?

So, what that means is we're really looking at fit (through handlebars, stem, seat post and saddle) and components at this price point.

If you want the biggest bang for your buck, then look used. Of course the downside of this is you don't know how hard the bike has been ridden/maintained. Given what you've said, I think a hardtail is an excellent choice., and I'd even consider getting a 1x11 bike as that should give you sufficient gearing for most situations. You'll lighten the bike up a good deal and only have to deal with a front derailleur (see point #1). Of course, I rode a Single speed mountain bike for a few years (when I was MUCH stronger) so take that for what it's worth.

The biggest issue with buying a used bike is the condition of the chain and sprockets. After a while they become "married" to each other because of wear patterns. To replace one you have to replace both. Not so much for a $30 chain, but can get pricey when you have to replace that, a rear cassette and front chain rings. If you replace your chain after 1,000-1,500 miles the memory isn't as bad. There's also brake pads and tire tread but those aren't doing to put a big bite in the wallet. If you do buy used, I'd immediately take it to the bike shop for a tune up.

On the flip side of a used bike, a new bike. You're paying for newness and new bikes depreciate pretty quickly (instantly). On the flip side, you often can get a better deal on a built bike than one you build yourself because the manufactures get a better deal on buying components in bulk that we can. To that point, I once bought a Felt road bike where I paid less for the bike that I could have bought just the wheel set and Dura Ace components straight up. Those components ended up going on an Orbea frame for a build that was sub-16 lbs. I still have that bike.

Regardless if you buy new or used, I'd do 1 "extra" thing after I got the bike. I'd pay to have the local bike shop do a "fitting" for your wife. Most higher end bike shops will include this service in the price of a new bike. I'd definitely ask about it. The last time I checked, around here it was between $50-$100 for the hour or so it takes to do it. They might also swap out the stem or other components to get the bike right for her. Remember, you want her to be COMFORTABLE on the bike.

I've likely rambled on too long, but I'll add these few things. For this first bike, I'd say away from Trek Specialized if looking new. While they are both excellent bikes, with both of these brands I've found that you're paying a good deal of the total cost of the bike for the name. Even further, Trek has it's own line of in house components (Bontrager) that they charge a premium for. In my experience they are no better (and sometimes worse) that equal offerings from their competitors. I guess they're still trying to pay Lance's salary...

I'll leave you with this. There's a saying in cycling. Cheap, light, strong. Pick any two. It's really the truth. However, I think you've set a decent budget for an entry level bike. But don't forget all the accessory add up too. And make sure your wife knows how to and has the equipment to change two flat tires per ride.

Good luck.

This post was edited on 5/24/19 at 7:48 am