The Silver Stilletoby Roger S. Nelson

This adventure-romance takes place in 1996 in Michigan, where a young man is tired of his job, and his girl has left him. So he decides to go on a two-week bicycle/camping trip to get away and rethink his life. His neighbor bets him than he can’t do it for under $200 for the two-week vacation. He wants to be alone, but he eventually meets a young woman, also riding a bike, who keeps showing up. There is a touch of fantasy in this Christian-themed novel.