I only have two running bikes, one of which I bought new from Canadian Tire (happy Mark?

) because I frankly didn't know better at the time, and it worked for me. This one I tried out in the very *very* basic sense of "seems to fit, crossbar isn't so bad mmmkay". I'm was and still am a n00b to more serious cycling.
The other, my roadie, I got free from my bosses garage. The roadie is a 19" and seems a bit small to look at, and I've been told it's too small for me (ie, like a dog hunched over screwing a football), but I've made it fit me - I don't get uncomfortable, I've ridden more than a century on it in one go amongst other fairly long distance rides and it's seemed nice enough. I found saddle height adjustments made the world of difference for me, and this bike is my primary commuter/everywhere/tourer/whatever bike and I've put over 5000kms on it since I got it going in May.
I'm right at the base of the learning curve for bike-fit though, and perhaps I'll come and get some measurements done one day, but I've not spent too much time thinking about it. For my IRO, I got a 56cm frame, which seems to be more appropriate for my height, but this is guessing still. I figure I'll try to dial it in, go to a shop ask questions, dial in some more, etc. then build my knowledge from there. I was going to do the rounds around stores to try and get fitted and stuff, but I just haven't had time/desire to do that... I prejudiced this experience with sales pressure and expectancy of wanting to buy some $2k roadie or something, and I had no intention of buying from the store, so would feel guilty of being fitted and then just saying "thanks for all the fish" and taking off.
Can I come into CT (or other?) and get fitted for $0 or thereabouts? I hate to sound cheeky but I just don't want to spend much on it, nor can I get a new bike other than my IRO build.
As for frame geometries, I consider myself very new to cycling in a deeper sense, so knowing what geometric differences can/will do on a bike is all fairly new to me, I chose the Rob Roy frame because a) it was on sale and b) from the IRO site the description for it's intended purposes sounded ideal (it was either the Rob or Jamie based on that) - I need a good all-round all-weather bike that can handle fenders if need be, as well as hold a rack and other commuter junk - my bike is my primary transportation so I have more practical/functional desire. I hope for a day where I can get to try out some CX or something.. since I gave up the TTC in June I've become a lot fitter generally but I have serious self-doubts re: my ability in racing. I got "shoved" to the back of a peleton in the Ride for Heart, as I honestly said "I've no idea how to ride in a pack" when someone asked me if I was moving up, heh - that was very intimidating being shunned away by the roadie crowd, but I rode at the back of the pack (Riding with platforms at the time made some people give me some odd looks as I passed them on their decked out Cannondales, etc.

)