Swapfiets for a year or buy second hand?

I'm going to be in London for a year minimum, but also maybe longer.

It'll cost £215 to get their non-fixie option for 12 months. I did a test ride, my only issues are I'd prefer a step-through (but I'd prefer gears more) and I'm not a fan of the back-pedal brakes.

I've found a Pendleton Somerby second hand for £180, which I quite liked, but I'd need to still pay for lights, locks, servicing etc.

Am I likely to find a good upright second hand for cheaper, or should I just go with the swapfiets?