I really appreciate all the help. Today (I think) we are going to go around town and check out the options and see what we like. Locally in stock we should see some Jamis, Specialized, Trek and Giant bikes. We will give some roadbikes a test ride and see if it is worth the money to us.

I poked around about building the bikes up out of curiosity and because I think it would be a fun project to learn from (never done it before). It doesn't really seem like building a bike at this price point is worth it financially (if I am wrong please correct me, I love a project and would like to learn more about bike building/repair), and I honestly don't know enough about bikes to pick every component in a competent manner, but could learn to save some money and learn valuable skills.

As far as Surly bikes go, I've never ridden one, but have heard many good things and I like their styling. I am hoping to try one out along the way.