I am looking to get into biking as a hobby and means to exercise. I will probably buy used but am looking for some direction. I will more than likely do most my riding on gravel roads around my house, with the option to haul it and trail ride as well. I do live appx half a mile from the gravel road so the bike would see some pavement riding. Can you guys point me in a good direction for a beginner bike? Willing to spend 400 +\- if that's feasible.