I wouldn't consider the Indie 3 a full step up from the VFR 3 in components - maybe a half step? The real differences are the change from 8- to 9-speed, disc brakes, and the Alivio rear derailleur. I can't quite tell what differentiates the VFR line from the Indies. Is it a difference in geometry, where one is more relaxed, and the other more quick/aggressive? For the minor difference in components between the two, I would choose based on comfort and fit instead. FWIW, I like the look of the VFR frame, with its more swoopy shaped tubes, better. I am still a little leery of low cost disc brakes, especially outside of mountain biking, but I don't have any experience to back this up.