To Bike or Not to Bike

I am thinking about buying a bike as a birthday present to myself in August. I have been considering either a hybrid or mountain bike. A hybird has skinnier tires, so I will not be able to go "off road" if I want to. I am leaning towards a mountain bike because I can use it both off road and on road, more versatility. I have been scouring the internet searching for bike reviews, recommendations, etc. Bikes do require maintenance, so I am trying to decide if I am willing to spend time on bike maintenance. I have also read that bikes are discounted after Labor Day, but a local bike shop told me that their bikes sell so well, they usually do not have sales, and that new models are rolled out all year round. I also have some upcoming expenses - car insurance in August, a furnace check in the fall, and maybe a new set of contact lens or eyeglasses. You will have to wait and see what I finally decide to do.