1. It'd be pretty easy to switch out the bars but do it only if the narrow one continues to bother you. 2. $350 is probably fair... although you could probably, and should negotiate that down. What if you get the Surly cross check, and the Trek on condition that you get the Trek for.. $100. Then you can sell that Trek to one of us! I'm skeptical that it can't fit fenders... it's a touring frame afterall...

I'd get the Trek, but note that the 620 is on my "list". =)