Wind,
I don't know why you can't, or won't, use the services of a LBS, but you really need to reconsider. there is nothing wrong with buying a bike online, like from Bikes Direct, and then taking the bike to a professional shop to get it adjusted and dialed in. The LBS will simply charge a small fee and you will have a bike that's been tightened and adjusted and inspected for safe operation, and performing to its maximum potential.
If there is just no way you can get the bike to a shop then at least read the manuals, and check out Sheldon Brown's web site for the best how to advise there is.