4. No lock or a light minimal lock to use when you go into stores.
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Would you wear your SPDs on days you are not riding the bike at all? How about having to replace those clips?
If it were me, I would invest in a mountain bike compact triple crank set and the tools to do the job. It sounds like the crank would be more that you want to budget, but the tools could be cheaper than what the dealer would charge you to do things.
Practically every Starbucks, McDonald's and many other fast food chains have free WiFi. You don't even have to buy anything, just stand outside with your bike. With Skype on my iPod touch, I don't even need to use a cell phone when I cross the US.