65'er's on the mark.

All of the bikes you listed are comparable. And, are fairly reasonable choices for a new cyclist such as yourself. Better options exist. But, they are considerably more expensive and appropriate to someone who is sure that they enjoy cycling, that the bike isn't going to be hanging in the garage and are, subsequently, willing to spend/invest more in their ride.

With regard the 32 spokes wheels. I am going to use a lot of "if"s. If, the bike ends up hanging in the garage, they will have been up to the task. If, you ride the bike regularly, start getting cycling fit and strong and start racking up miles, chances are pretty good that the rear wheel won't be up to the task. The LBS won't be giving you any trade in value for the stock wheel. Ask a few questions of the LBS's. Which of their staff members is the "wheelsmith"? Does he have a tension meter? Would he mind performing several rounds of stress relieving and retension the wheels before the bike leaves the shop? Would he mind writing down the individual spoke final tensions? So that you have a recorded starting point. If, he has a tension meter and is willing to do this for you, that 32 spoke rear wheel will have been given it's best chance at providing you with reasonable service life.

Now, after you've ridden a few miles (it may be 10, or it may be 200) that wheel may need to be retensioned. This should be part of the initial break in tune up's that most LBS offer with new sales. If the wheel starts to go out of true. Take it in, sooner, rather than later.

If, you become a "cyclist" and the bike isn't just gathering dust. You will, eventually, ride that wheel into the an early grave. It should take at least a 1000 miles or more. For a newbie riding <10 miles, 5 X week thats a good 4 or 5 month summer. For some of us that ride and train regularly and think nothing of going for a 30 mile ride before or after work and racking up 50-100 miles on any given Saturday or Sunday that would be about 4-8 weeks. You might get a lot more than 1000 miles out of that wheel. It might go for 10 or 20 thousand. But, I doubt that.

Anyhow. At the point you've ridden enough to kill that original wheel, you'll have determined that you are in fact a "cyclist". And, you'll be ready to have a wheel built for you. It won't need to be expensive. It'll either be hand or machine built. But, either way, it will be finished, stress relieved and tensioned by a true "wheelsmith". You may or may not have one in near you. There are several well respected ones on the net. And, some of us build our own. You may choose to follow suit.

Sorry, gotta' go Mrs. Fred is serving up dinner.