Nightskyre,
I agree with lenscap. I think the Castro Valley with *maybe* a $25 cassette change is the way to go if you find you need one after a ride or 2. The steel frame will be infinitely more comfortable than the Fuji or Jamis. And should you decide to upgrade in a year or 2 like you said, this bike will likely have a very good resale value in the used market. The other 2 bikes will not.
I think it's an excellent choice.