I picked the 'one of everything.' But if you substituted 'long haul trucker' for 'cannondale' in option 2, I would have picked that. My biggest reservation about buying 'off the rack' is that you're rather stuck with how the manufacturer things a bike should be built. For instance, for the price of STI, why not go with bar end shifters, racks & fenders instead? So in that regard, I lean towards custom, but the cheap bas tard in me prefers a custom build on a factory frame to a full-on custom.