If you are buying new, seriously think about looking at the 650R. It's forgiveable for a new rider since it's a twin, but it's got enough get-up-and-go that you won't get tired of it really quick. Or look at an older (early 90s, late 80s) inline 4 standard. I have, and started on a 84 Nighthawk 700 and it has served me very well.
Glad to see you are going to gear up well, always a good idea. If you like modular helmets, take a look at Nolan helmets. My wife lovers her Nolan. You can try them on at a local retailer and then once you know what size you need, I would order them online.
www.motorcyclecloseouts.com
This place is close to me, so I have the luxury of actually going to the store, but the money I have saved going to this place is awesome. Got a $500 Bell Recoil Star helmet for $200, and the Nolan we bought was like $250, normally $350 I think.
I kind of slack off on gear though, I don't wear MC specific pants or shoes, just jeans and over the ankle hiking boots. I do have a jacket helmet and gloves though. Definitely find something with spine protection.
I commute to work all the time, but like I said, I just throw on the jacket, gloves, and a helmet. I don't worry about anything else. You can buy "over-pants" to put on and you can just take them off when you get to work if you want. Boots are a little bit of a problem, since you would have to change into work clothes afterwards, that's why I don't bother and just wear whatever shoes I am wearing to work.