Are you going to use it for everyday transportation? I've been using only bike for a few months and it's not very much maintenance. The import parts are:
1. Get new treads for winter so you don't die (only applicable if your snow drifts are over 6 inches)
2. grease your chain once a week during winter or once a month during summer
3. don't buy a stolen bike (see
>>18420)
4. don't get shocks for city biking because they make you ride slower
5. run red lights :)