I just faced the same dilemma, and after weeks of research (and a post like yours) I ordered this: http://www.bikesdirect.com/products/...ord_deluxe.htm

Like you, I was just looking for an urban commuter. I started asking other commuters at work about the components that they really liked/needed on their bikes, and this one pretty much had them all. I'd love to be able to give you a review, but UPS is completely incompetent. Hoping it gets here tomorrow...