So hey, I went to a few bike shops today, and tested out a few bikes. The only cannondale carrier in the entire city (Hutch's) refuses to carry the Bad Boy until the '06 model comes out, and won't special order it. Tried out the Sirrus, and it was a great ride. Tried out a couple of Trek's, but they didn't seem right for me. Tomorrow i'm going to another shop to try out the Kona Dew Deluxe, and if I can, the Gary Fisher Nirvana (the other gary fisher carrier didn't have any in). I'll just keep checking out shops until I get my money on tuesday, which is when i'll probably make my purchase.
2 of the 3 shops I went to today carried racks that were built specifically for disc brakes, so i'm not worried about that anymore.