if you want suspension, then i guess schwinn is the only choice.

if you do not want suspension, then i would get the Fuji. I just recently bought a used version of the 2012 version of the Insight. i feel happy with it because i didn't know anything about bike when i bought it. but more and more that im looking into bikes. i probably wouldn't buy it again for the money i spent.

Fuji and insight have very similar components, i feel like Fuji's frame work looks better, if you look at the insight in person the bottom diagonal bar is really over sized. look kind of awkward and would probably adds weight. the price is cheaper.

i would use the Fuji for no suspension