Join Date: Sep 2012
Location: Tampa Bay area, Florida
Bikes: '09 Diamondback Insight 1, '05 Trek 3700 ( now a hybrid street/cross trail bike), (Vintage model) Kent Supreme 10 speed road cruiser, BMX (just for fun), Trek Multitrack 720 and a homebuilt recumbent low-rider.
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I have an Insight 1. I've never had any major probs with it, and I've got almost 3200 miles on there right now.
The Fuji looks nice, and a lot of people suggest they have better components, although I'd hazard a guess they're not too far apart for someone that's not going to be a competetive rider.
I'd be quite happy with the Fuji 1.4 if someone offered it to me as an alternative to my Insight, though.
As for the tires size, I'd agree with njsteve's comment +1. If you're planing on taking it offroad in any real sense, you're going to need wider tires. 28c's really aren't going to get you anywhere much in anything soft, except maybe onto the ground.