Hi Kate,
I would suggest getting the DCO because of the 2 choices of frame sizes, the suspension seat post (if you prefer an upright riding position), the adjustable handlebar stem, the type of shifters and what seems to be assistance from a motor. The Schwinn appears to only be available in one frame size, but is larger than the two sizes of the DCO, if you're a taller person. Of course, try out both bikes first before buying. Cheers