I do not hang about, once a decision is made. Having broken the news of my intentions to Ro and the Sage last night, I went and accosted Matthew in his shop this morning. He started asking me helpful questions to narrow down the sort of machine I wanted, and I had to explain that I didn't care much, my main requirements being something that could carry shopping as I don't intend to go for bike rides for fun. "I hate cycling," I explained, helpfully.
He found one serviceable-looking machine for me, but noticed that it only comes in a 20" frame (whatever that means). He showed me a similarly-sized bike in the stock. We agreed that I would not be able to ride it. He had a second suggestion, but it cost rather a lot more. So, of course, I ordered it at once. Here it is. It should be in by about Thursday.
I do not intend to look up online prices as that's not relevant to me and I'd rather not know. I may want after-sales service and I'm willing to pay to keep local shops going. And I won't ask for a discount either - his in-laws are friends of mine! His pricing is pretty keen anyway and he usually offers a discount if he's able.
My reasoning is that this is the only bike I'll ever buy, so it has to be good enough. And having spent actual Hard Cash (for I will, so no credit card charges for him), I will want to get my money's worth, which will be an incentive to actually use the bloody thing. Honestly, I hate cycling.