Buy it, and have your neighbor check it to see if the person who assembled it, did it right. I am sure that your neighbor would love to do this simple thing for you. That's really all you need to do.

20 years ago, I sold bikes at Sears and the teenager who assembled the bikes sometimes didn't tighten up the seatposts and handlebars - he would just slap 'em together. I had one kid's handlebars fall off while he was riding it. The parents came in and cussed me out, because I sold it to them!

After that, I assembled every bike that I sold there. Even though I had never done that before, I simply read the directions and it wasn't that difficult.

One of my trail riding buddies has a Target Schwinn Ranger (hardtail) MTB, and he rides the heck out of it. It will never be a pro bike, but he is newly married and is not rich, and it is all he can afford.