+1!

Another advantage you get with this approach would be access to the guys at the LBS, who, while they're being really helpful now, would probably be more so if you bought the bike. Asking noob questions at your LBS, where they know you and have an idea where you're headed and where you've been, is much more productive than trying to get advice from people (like me) who don't know you from Adam.

Also, when you get a new bike, the purchase price usually includes basic fitting and a couple of tune ups as the bike breaks in (usually adjustments due to cables "stretching"). If something breaks that shouldn't, you've got a warranty and people in your corner to make it right.

The Secteur speaks to you, and it fits. Don't "what if" this thing to death.