If you live close to LL Bean, then maybe it makes sense. But if you have to ship it back to return it, the cost would be prohibitive. Also, your lbs may offer free tuneups for a couple years; that has a solid cash value you need to consider. Finally, who is assembling and setting up their bikes? Is it a skilled bike mechanic or just some guy they hired who also puts together chairs, etc.? They are not at all comparable to REI, which has in house bike shops for repair and service, so you know skilled mechanics are at least overseeing the newer mechanics who do the assembly. If you like the specs on a bike they have, then take those specs to your local shop and see what they can offer. Buy your bike with a credit card that offers double warranty and damage and theft protection (for example, chase freedom has 120 days theft/damage protection, and doubles any manufacturer warranty; check your card).