39:15 is a decent get around town gear, i run a 42:17 and thats almost the same thing.

The continental is fine and it will last forever. Just have ur lbs throw a 15 freewheel on it and re-dish the rear wheel. Then ride it forever, ride 50 miles a day on it while you save your money.

Then buy a nice fast bike that doesn't weigh 40 pounds and you will be the man.