All three bikes have their strengths and weaknesses. If I were choosing it would come down to ride quality, warranty, and the reputation of the LBS (assuming the bikes are from different shops). On paper I like the Raleigh's components, but the other bikes already have fenders and racks so there are no fitment issues or added cost. I would assume that the KHS steel frameset and fatter 26" tires would translate into a smoother ride, but it may come at the cost of handling and performance. As I said, the ride will tell the tale. Good luck and happy hunting!