Hey gonesh9
I did a fair bit of research 2 years ago, and concluded that the Trek520 was the best bike for the money. It has been around a long time, and for good reason. Check some earlier threads, especially from (I think) Merriwether. I had readabout the gearing concerns, and swapped out the stock cassette when I bought my 520. I love the bike - stable, reliable, smooth-shifting, great when loaded. Enjoy.