Hi Cynergy,
I am in the same boat as yours. I have Trek FX4, I bought it on Sale at 30% off. What I like in Trek 520D is that, it comes with racks and drop down handle bar and I don't have any bicycle with drop down bars. I thought of fixing racks in my FX4, but those Trek racks are bit expensive in India. So, I am thinking to buy 520D just for local errands. I don't intend to do any long distance touring. It will be used only for grocery shopping in style
Do you have any pics of your 520D with loaded luggage?
Vignesh