Well, I had my last final today, I'm finally a college grad at the young age of 56. The bike is my gift to myself. I'm still undecided which way to go, but I am leaning toward the Elite. I've been sitting at the computer for too long reading reviews on the different brakes and crank sets. I probably won't decide until I'm ready to make the deposit tomorrow. I actually feel a little guilty spending the money on a bike, but that will pass.