If I had to buy a new entry level bike I would probably go with the F95. The gearing and geometry more closely mirrors what a experienced road riders end up on then some of the other bikes mentioned. The trade off is that in order to keep the price competitive they have used a lot of house and off brand components. There isn't necessarily anything wrong with any of it, but some people want to see shimano written on things instead of sunrace or microshift.

But if you are more thinking of touring or casual riding, you may want a triple crank and relaxed geometry.