the bay area has a huge scene.

http://www.pilarcitos.com/2007Cross.htm

http://www.cyclo-x.com/

all the bikes you metioned could make a good beginner bike. you just have to find one that fits your needs (rack and fender mounts? super lightweight? low budget?) and above all one the fits your body. i've said it a million times but a bike is never a good deal if it doesn't fit right.