I am about your size but a little heavier and have a loaded touring bike that I don't feel is harsh at all. Actually, just the opposite especially when loaded. When not loaded it may feel slightly slower but that is to be expected because of the heavier frameset. If the Gunnar fits you and you like it, that would be my choice. The trek 520 is an excellent bike but I don't think it compares to the Gunnar frameset which is make of the highest quality steel. If you decide to buy the Gunnar and after you checked everything out to your satisfaction, I would try to negotiate. If the retailer won't come off his price, it is still a good deal. Over time you can upgrade components if you want and you will have some spare parts which never hurt to have on hand.