Whats your budget for gear, assuming you'll pick one or another?
Climbing is less maintenance and little repairs and probably will be cheaper than biking in general. Life moves a little slower when climbing, but both are awesome. Understand the lack of time/money though, between buying skiing, biking, climbing, backpacking, and camera gear and actually putting it to worthwhile use, it puts strain on both my wallet and schedule.
I'd pick biking though, just buy a harness/shoes and make friends with someone with a rope and other gear.
@connorjulius - twitter
@connorjuliusjohnson - instagram
Confidence is the feeling you have before you fully understand the situation.