So, after spending all day test riding bikes in 100+F heat and high humidity, I came home with a 2010 Giant TranSend with disc brakes for $350. I had looked at this bike yesterday, but didn't really consider it, but decided I should give it a fair shake since it is all decked out. I really enjoyed riding it, put a half hour on it with weighted panniers. I felt very stable (the FX's feel a bit squirly) and I felt very smooth and much faster. I felt like my balance was good, I could easily stand comfortably, and best yet, I didn't feel like I was just mashing against pedals, I felt like I could get rotations going like I do on exercise bikes. The guy spent a lot of time, and did put a longer seat tube on (after several comments that he couldn't believe I was that long legged for my height.) Will see how it holds up over the next week of riding.