I know quite a bit about road bikes.
First thing you want is a reputable bike shop which knows how to fit a bike properly for a recreational, female cyclist. Fit really is everthing with a bike you're gonna be spending some time on. You probably want to ask around Sacramento womens cycling clubs, like
http://ophirmilan.com/ They'll be able to point you in the right direction.
Second, buy the best bike you can afford. There are no differences that would matter to a recreational/fitness cyclist between a $3000 bike and a $5500 bike, but there are alot between a $500 bike and $1200 one.
Third, cycling uses very specific muscle groups which take a while to train. Watching someone who's been at it for even a year spinning their way up a low angle hill makes it look much easier than it will feel at the start. Most people who quit cycling do it in the first few months for that reason.