Lots of people ride hard tails, I've seen people use them for racing, and they can be very expensive depending on the build and frame. It's all preference. Buy a bike that fits within your budget. Bow Cycle has a blue light sale upcoming so you may want to pull the trigger on a bike when it hits. That way if you're looking at getting a full suspension, at least you won't be paying full retail price and get a bit of a deal.
I own 2 full suspensions, both bought at sale discount prices. I could have went hard tail but I have never regretted spending a bit more for FS. A quality bike will last if you take care of it. As others have said their are lots of places to ride within city limits and outside the city when time permits.
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