Story not consistent. Tone of one who's lost a bike - not enough lamentation over the loss. Also, the "need for work" and "build one up" has incongruous time horizons. Finally, the "build one up" and "not very knowledgeable when it comes to these things..." do not harmonize well. I'd say, not credible.
BTW - I really like the Pro's Closet. I've purchased a few hard-to-find items from them. Always more than satisfied with the value. PG