Thank you all for your insight, especially on the disc brakes. I will let them go. I have visited some more LBS and they showed me a Fuji SunFire 2.0 (2008) and a Giant Cypress DX (2010 or 2009). These are hybrid/comfort bikes on small frames (17"). Again I maybe wandering in to marketing waters because they both have front fork suspension. Any comment, opinions, etc. are welcome.