My Schwinn Sierra is a Signature Series bike from an LBS. It came with very low quality wheels. After replacing wheels and some other components, it became my go-to bike for poor weather commuting.

My son has a Schwinn from Target, and its derailleurs, brakes, etc., are definitely lower quality than what came on my LBS Schwinn bike. It would work okay for recreational use, but I wouldn't want to use it for commuting.