Here’s a few things to add/disagree with, in no particular order. (it got long somehow. . .that’s what bikes do to people).
To skip my crazy ramblings, and go to the heart of the matter, go to (****).
– A “comfort” is a road bike, with a more comfortable “geometry”. All that means is that the frame is shaped so that where your butt is in relation to the pedals and handlebars is more comfortable than on a regular road bike. You’re more upright. What you lose is some aerodynamics, and maybe a more powerful position. This might be a good choice for you. More on that later. Here’s a link to a sweet one; it’s a bike you could ride for a LONG TIME. Compare the seat/handle bars to this, a similar model, but much more “aggressive”. The seat is higher than the handlebars. The frame is classic, not “compact”. Trek also makes road bikes they call, WSD for “women-specific design”.
– A softer saddle may or may not be more comfortable than a hard saddle. On my softer saddle, my “sit bones” sink in and I get a lot of pressure on the sensitive parts. With a harder saddle, I stay up on the bones, and for me, it’s more comfortable. The trade-off is that I get more road-buzz translated to my butt. Saddle preference is very personal.
– Higher end bikes don’t come with pedals. Some mid-range bikes come with clipless pedals. Your bike will most likely come with flat pedals. You might want to look at the traditional toe-clips, the straps that you slide your feet into. Make them tighter and tighter as you feel more comfortable, but think about a clipless system down the road.
– Don’t get a recumbent. Millions of people ride millions of comfortable miles on millions of road bikes every year. They’re a beautiful design that has been around forever. They’re not as comfortable out of the box, but it’s foolish to say that “upright bikes are uncomfortable to ride” is total horse-crap. If you end up joining a club, (which I HIGHLY recommend because it’s FUN and MOTIVATIONAL) you’ll want the road bike.
– Fit: well, you might have to pay a bike shop to do a “fit” for you. Some will do it for free, but maybe not for a $400 bike. A professional fit can cost $50-$100. There are a lot of internet resources for getting yourself close. And, don’t think like, “oh, if my fit is off a little, it’s going to be terrible”. All bikes are uncomfortable for a while (maybe not 'bents).
** Here’s where I tie a lot of ideas together: your bike is going to be a little uncomfortable to start with. The 'bent rider rider is going to say, “WHY SHOULD THAT BE?” Why that should be is because you’re doing a new exercise that you aren’t in shape for yet. You’re bent over, holding yourself up with your arms, holding your chin up for a long time, holding your torso up with your waist. You’re sitting on a small part of your butt. That all takes a little getting used to, but in the end it’s worth it.
The thing about “hybrid bikes”, “comfort bikes” and “recumbent bikes” is that they’re more comfortable when you get on them in the shop. However, they may not me much more comfortable in the long run, and they’re all less efficient (I wish that 'bent guy wasn’t here, because I hate sticking these disclaimers on every claim. . .but the 'bent bike might not be less efficient. It is for some things.)
Now, this also relates to a “test ride”. I know it seems totally logical that you’d test ride your bike. But honestly, it’s not going to do much for you (and that’s NOT just the opinion of this particular netkook). How your bike feels on a test-ride may not be how it feels in a week, or in MONTHS or after 50 miles. Furthermore, you’re really not going to pick up on the subtleties of the bikes on a little test ride, since you’re not an expert. They could put you on a tricycle with a sofa-cushion for a seat in the shop and that’s going to feel VERY comfortable. That doesn’t mean it’s the bike you’re looking for.
I would recommend a regular road bike to you. You can find a GOOD used bike for $100-$200. We have two at home that were $100 and $130 and are great rides. If you’re comfortable with ebay, there are tons of options, but I’d recommend talking to your local shops. Tell them you’re interested in trying out road bikes and you’d like something used to make sure its for you. They MIGHT even offer to buy it back full price if you buy something new from them down the road.
Besides, regular road bikes are cool. They look sweet. They can go as fast as you can. They’ve been making that design for 100+ years for a reason. Comfort bikes are close to them, and that’s probably as good a choice.
**** Now, the major point. . .even though I wrote a ton here, I’m going to recommend simplicity. Find the nearest bike shop to you, and buy a road bike (or comfort) in your price range that you have “standover height” on (your soft parts don’t touch the top bar).
Don’t worry about brands (they’re all the same in your range, and most ranges). Don’t worry about materials. Don’t worry about components (you’re not going to out-perform your components). Don’t worry about weight. Get a bike that fits, but don’t fret over a perfect fit – they sold bikes by “standover height”, forever. You can adjust saddle/handlebars to change the fit. Don’t worry about $25 that you could have saved somewhere else.
I’ve heard good things about these bikes. Giant, Trek, Specialized, Fuji, Jamis all make entry bikes in this range. A place like Performance Bike (if you have one of those around you) has a house brand that are lower priced than these other mainstream brands and are supposedly built in the same factories as some of the other major brands. But, don’t get married to a brand and then snub a shop you like because they don’t carry it. It’s more important to have a good relationship with the people nearby than have a particular brand.