+1

I'd also suggest that once you start playing with different setups, change one thing at a time, and ride it that way for a little while before changing the next thing. I wasted a lot of money early on in my cycling adventures changing everything to what I wanted without having the miles under my belt to really know what I needed.

I feel this particularly important in a bike like the Swift where almost everything is changeable / adaptable.

The most important thing (fit wise) when you get your bike out of the box and setup, is saddle height. Sheldon's site has a good description of how to do this.