If you have the money score the stumpy. Great bike, flat out great bike. If cash is tight and you think you can effectively hit the trails you ride on with the XC get that one. Though the XC is a nice entry level mountain bike, the refinement of the stumpy is ridiculous. I bought mine with the same buyers remorse, however my dilemma was between the stumpy comp and the elite, I have not looked back since the first time i rode it questioning my purchase or spending the extra cash. The stump jumper is a very versitile bike and rides like a couch going down hill with the shocks opened up. I have not rode the XC model, but know people that have them, though i havent ridden with them myself, and they like their XCs as well. They are a bit more tamed in the sport, but still, are generally up in the area i ride and the XC meets the billing. You will not out grow the Stumpy, you may want to XC race at some point and get a more XC oriented competitive bike, but the stumpy can handle practically everything you throw at it effectively. I know my stumpy elite is limited by the rider. Great bike, will always recommend it any chance I get. I think this is a financial decision more so then anything else. When you test rode them i am sure you felt the difference. If your question here is "are the stumpies worth a $1000 more than the XC's", if you can afford it and you ride regularly on various types of trials, heck ya it is worth it.
Last edited by Bosock; 05-09-09 at 08:39 AM.