Well i had a nice response typed out but then hit my dumb mouse-back button. Anyways go with the Schwinn if it feels and rides nicer compared with the roadmaster. I dunno but a bike called roadmaster that's a mountain bike, sounds kinda sketchy. Have you thought about going with a used bike? If it's in good condition you could probably find some decent deals. Talk to your LBS about a used bike for under $200. They talk to plenty of people who have bikes so might be something to look into. Whatever route you go, you get to ride! Good luck!