Try to be in at least decent health when planning your next calamity. Fitness makes all the difference in the world. So if you take my advice and get a good hybrid (although there are other fine bikes - no religious wars about bike varieties here), get out and ride the thing.
No need to get in hard gears and punish yourself for being out of prime condition. Stick to easy gears and rides of a pleasant duration. And when you feel so inclined, take some longer pleasure rides. You'll want to go farther as your body gets into the groove.
And shop around for ways to carry some stuff comfortably using your bike. Have some bags such as panniers, or baskets, or roped-on buckets - whatever makes you giggle.
If you get on that sucker & ride, particularly if you make it a point to derive some pleasure from it, you'll be much more ready for the unexpected. And in the meantime, you'll look & feel better, save money on gym memberships (that you probably wouldn't use anyway), etc.