Raleigh: Nerdy.
Twenty: Nerdy.
Schwinn: Not Nerdy.
That being said, Nerdy ≠ Not Cool. The Raleigh is neither nerdy nor cool, the Twenty nerdy but cool, so too the Schwinn.
Also, put me in the camp that believes that commuter needn't be nerdy. It's fender-ed up and such, but I don't think mine's nerdy...is it?