I dont have a 200 limit, I upped it to about 450 after seeing the prices of bikes on forums like this. (450 so there's wiggle room for tax, I'll be saving up six hundred, the extra for accessories I need.) As far as teen bikes, I'm always worried about the frame size, since they only ever say the wheel size for those bikes. Next time I'm in REI though I'll hop on a teen bike and see how it feels.