Not sure how your insurance deal works, but if you're being granted some optimal amount of cash value for some selected bike, I'd get the most expensive bike I could find, sell it, and then get something a lot less expensive. That's especially so, if I was just averaging 15 miles per week!

btw - Aluminum forks scare me (basically due to vibrations). Therefore, I'd nix the Seek 0, just based upon that alone. Damn, I didn't know that about the Seek prior to today -Thanx