Thanks for the all of the information! I found another local bike shop (much better than the first) that sells Raleigh and Specialized (and Giant plus a few others).
They offered to order me the Hot Rock for $209 (the same price as mikesbikes.com) above. They don't have it in-stock to try it though.
They also have a few adult bikes I was looking at... More specifically the Raleigh Talus 3.0 for $299 (close-out) model and the Raleigh Venture for $330. They also had a Specialized Expedition but for $440 it's above my price range.
How do the Raleigh Venture and Raleigh Talus 3.0 compare to the Trek 820? Are there better and/or worth buying?