The frame is a bit too large, but for the price I paid, I was willing to accept that. As I said earlier, I haven't been biking in a long time (essentially since I got my driver's license) and am just looking to get back into riding shape. In a year or so I may look to get a new bike and at that time will be much more particular about the size, but for now this will do.
Thanks for the information about the wheels, I didn't know all the extras that would be involved in changing sizes.
Also, do you have any suggestions for a good place online to look for the tires and other accessories online? I haven't found a good LBS in the area yet.
Thanks,
Hoshyoto
P.S. A bike helmet was the first thing I bought (before I even rode it) after I bought my bike, so no worries there