I can't tell you about all the personal options you presented, but I can tell you that that Schwinn is one beautiful bike. It's in excellent shape and you get 105 index shifting with it as well. The ad just went up today, so even though it's $250, there's a good chance it will be gone as the week goes by.

If you are a tall rider, I would especially get it. You'll figure out later why it was such a good decision.