Personally, I would agree with the “buy secondhand and sell again if it doesn’t suit “ option.
For commuting and general utility (apart from trailer hauling), I use a Ridgeback flight 4 hybrid bike.
Bought for £120, and spent about £100 on getting bottom bracket, cranks and brakes sorted.
I love the hydraulic disc brakes. The Alfine 8 is useful for gear changes in town, or when stationary, but is heavy and a right pain to get the back wheel in & out. External bottom brackets only last me about 10,000 miles, whereas I expect 30 - 40k from sealed square taper.