This is probably a noobie question, but I'm going to shoot it out there anyway - is the fact that the BD fantom cross has an integrated headset, whereas the Nashbar bike has the standard top/bottom cup anything to quibble over? I can't find a definitive answer on google. I think the Nashbar's price is just right for me to pull the trigger and feel OK about it... I might just be looking for reasons not to at this point.
Thanks to everyone for your responses, I really do appreciate your opinions (even you, WestPablo!).