well, I decided to buy locally, and I'm glad I did. I managed to get a SMOKIN' deal on a Cannondale Bad Boy in matte black. It has 700c tires with disc brakes, enough clearance to put 26" rims and mountain bike tires on, a fairly aggressive seating position but not too bad, and I think I'm inlove!

Now I'll just need to get some fenders and a rear rack, woo hoo!