First bike looks cosmetically ok, but we can't be sure of any problems from the pictures. If I was looking for one of these, the first one seems ok, but it may require work that you probably are not capable of...not to mention the tools needed. Even if the bike seems to be riding just fine, the grease in all of the moving parts probably needs to be replaced. I'd figure to offer $60 and then be prepared for possibly another $100-150 to take it to a shop and have a overhaul.

With the second bike, the shop should have done all of the work, so the bike should be ready to go. However, the price seems pretty high, but I don't know if those are collectible in any way. I'll readily admit that I know nothing of Schwinn, other than to grab a Paramount if I ever come across them for cheap. Does the shop offer any incentives to buy from them? Many places give a year of maintenance on new bikes, I don't know about used, and a few offer lifetime tune-ups. To me, the lifetime tune-up is a pretty big perk for most casual cyclists.

If I were you, I would check the $75 bike out as Road Fan suggested. If it doesn't work out, keep an eye out for a CL bike flipper who does some work on them before flipping them. For $200, you should get a pretty decent 3-speed.