right, i definitely agree that i can't afford a custom build. that's exactly why i was asking about completes. thanks for the suggestions--i'll check out the fit pro and integral expos, although i was hoping to grab something 20" or below, and i've only seen those two with 20.5" TT. but thanks! i know it's a tough question to answer and it's possible that i just won't find the right bike in the right price range, and will have to settle one way or another.