The fit is actually decent, surprisingly enough. The seat could stand to go a bit higher, but the seatpost won't allow it. It's right on its min. insertion point right now. I could opt for a longer post I suppose, but I'm not about to drop any more money into it than I have to. Riding it is bearable besides the basic things wrong with it (shifters, brakes). This is in reference to the Schwinn, btw.
The LBS we went to were very friendly and impatient. I didn't catch on any cues of trying to be upsold to something we weren't really interested in. I work in retail (ugh) so I can usually spot when I'm trying to be pushed into something. I asked the guy who was working with us if they even work on box store bikes, and he said bring it in and they'll take a look and if it's just simple things that don't require major parts replacement then they'll usually take care of it without an issue. I think that's pretty agreeable overall.
I'll bring it in today and see if they'll take care of it while I'm at work, and hopefully it will be brought up to some level of decent rideability.