Thanks. I will definitely look at some clearances. But theoretically, what if I went and tried out the SE Lager and KHS Flite 100 just to get a feel for them and to make sure which size I need (while stating my intentions to buy off of BD). Then, after buying the similar bike off of BD, if I brought it into the LBS and had them build and set up my new bike, as well as replace a lot of the crappy components. Even though I'm not very experienced with bikes, they should be, right? So that way, I end up with a well set-up bike with decent components for less money.
p.s. I still need a helmet and gloves and all that so I wouldn't exactly be ripping the store off.