If you have the money go for the IF. There is a big difference in buying an aluminum off the shelf bike and a custom IF that you can keep and enjoy for many years to come.
If you don't mind replacing your bike every couple of years go with the Gary Fisher or the Specialized. If you want a bike that will last plus fits you like a glove go with the IF.
*edit* Thought I would throw this in before being attacked. I do realize some people do keep aluminum framed off the shelf bikes for years.
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I may be fat but I'm slow enough to make up for it.