As from all of your suggestions.. It seems like the Schwinn is a better choice. Although I'm a little worried about durability and smoothness on rougher roads.. Also, the scott looks sexier I know I shouldn't let looks decide the bike but it's tempting..

Anyways, I'll go day after tomorrow and test both the bikes and see which one I prefer..
Although from your suggestions, I'm leaning more towards the Schwinn and will mostly get that..