I had a 7.3 fx (before it got stolen) with Deore components. I liked it very well and did well on the Chicago city streets.

I hear you when you say that you are low on cash and need to make a good investment. I don't know if the Trek frame and components are worth the extra $300 but if this is an investment and a bike you're going to be using a lot -especially if saving money via commuting on bike etc - then I say go with the bike with the better components. If it's more recreational you might be just fine with the lower components as you may not be using it quite as much.

But why not do a craigslist search and see if you can find one used? A lot of times it can be a big $$ saver if it's in good condition.