World's slowest cyclist.
Join Date: Oct 2007
Location: Londonderry, NH
Bikes: Cannondale CAAD5 and Cannondale Rush
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At $400 I don't know what "quality" you'll find in a frame. As long as you purchase a non-xmart bike (Motobecane, Trek, Fisher are all non-xmart) you'll get a frame that'll take abuse and parts that'll do their job. But I don't think you'll find huge differences in quality between brands at that price. I think fit is more important as every bike will have slightly different geometry and fit is a personal thing.
If you have the opportunity to test-ride the Motobecane then I'd consider it along with the others. But without a test-ride you'll gamble a little on the "fit" thing in exchange for slightly better parts. I'm not sure whether cheap disks or cheap V's would be better. V's will stop a bike just fine, as will disks. It's a matter of feel, modulation, etc and I'm not sure how cheap brakes in either category would compare to eachother.
I recommend a visit to your friendly local bike store and see what they suggest for your riding style, local geography, etc. They'll even fit the bike for you for free (something you won't get via mail order).