Sorry to bump this thread up again, but the Schwinn DBX listing is the 2006 model.

Here's the 2007 model:

http://schwinnbike.com/products/bikes_detail.php?id=748



As you can see, the 2007 model is better for commuting, because:

1) It already comes with fenders

2) The rear disc brake is mounted inside the chainstay. That means it's easier to mount a rear rack to it.