Also, "street price" (the price bike shops actually ask for a bike) is often lower than MSRP. As I'm sure you know, the best values come when you buy used.

You don't need a particularly burly wheelset. A set of 32 or 36 spoke pre-built wheels will be just fine. The Formula Hub + Deep V rims are good. Also the Novatec + Alex Crostini wheels are OK, too. Get flip-flop track/track hubs to make gear changes easy. These would be wheels that come stock on the Fuji Comp or Felt TK2 or TK3.