The 1.2 can fit a rack which is nice. Also, the bike shops let you ride the bike around, but only in the shopping center... which is annoying.

As far as commuting, I will be commuting probably 3 or 4 days a week, mostly for exercise and to save gas. For bad weather, I always have my car. Plus not much rain and no snow here in Tucson, AZ. I do like the idea of the FX having size 32 tires, instead of 24. Seems a little more stable