Thanks, Snafu21 & prtyich! Great overview & thanks for replying to my questions.
I was leaning towards the Matrix but I'm back in the Jack camp for the time being. The Matrix's disc brakes seem to need to be replaced and the LockJaw folding mechanism doesn't seem as stable. But replacing the fork, brakes, shifters, crank, casette, deraillers & wheels/tires seems be an expensive endeavor.