Originally Posted by Matricon
Have you thought about a front disc brake?...
Rim grab brakes are simply obsolete. Yes, they are currently cheaper, but the small price difference doesn't compensate for the many disadvantages.
For one thing, once a rim gets bent a bit, rim brakes need to be adjusted unsafely wider to still work. You could true the rim as a remedy, but most bike riders procrastinate doing that.
If Walmart is giving you a store credit (which, btw, should be insignificant contrasted with the legal settlement you should get from the other driver's insurance), put it toward a bike with disc brakes.