I hope you aren’t much taller than 5’6.” A 650 cruiser is a small bike. You would get close to 50MPG’s out a bike that size which is huge with the gas prices shooting through the roof. Although, I’d have to wonder if a small car wouldn’t be better in MN given the very short riding season (if all you want it for is the commute), I even feel like the riding season is way to short in IA.
If you go with the bike don’t forget your telescoping fishing pole!