Re: Any cyclists?
 

I rode road bikes for years before getting into the other two types. Setup on any bike is not hard if you take the time to learn some. Most of the setup is a comfort thing I think and so you learn as you go. The more you ride the more you know how you like things set up.

Oh, and a street bike is no more or less complicated than other bikes. All have saddle heights, handlebar heights, gears, shifters, the actual saddle, derailers, etc. All variables that affect your performance and comfort. (Shocks which are typically not found on street bikes add another thing to the mix. Not hard, just another thing you may want to adjust)

A slightly larger saddle and/or high quality bike shorts will help a bit in the beginning. You can put a smaller saddle on after you've broken your body in a bit.

Re: Any cyclists?
 

I think definetly go with the road bike. If it is pleasurable you will ride, if is not you will not.
Buy a used bike. It has everything you already need on it. You can buy a used bike for a fraction of what a new is especially when you consider the upgrades that it might already have that can run a lot of money, pedals, carbon fiber extras, upgraded tires and wheels etc.

2nd choice buy last years model. A good bike shop would have gotten a good deal from the manufacture. I got a very substantial discount when buying my Cervelo which was last years model.

Cycling might also strenghten you knees so you will be able to run again.