I bought a Bianchi Volpe for $850 in April 2006. I think that price will beat a Surly Cross Check & LHT.
I now have 3990 miles.

I have had the rear wheal trued once, broke 1 rear spoke. And my seat post broke recently. Has the Surly brand done better in upkeep costs then my Volpe?

cassette 32,28,24,21,18,16,14,12,11 Chain Rings 48, 38, 28
It came with 32 x 700 knobby tires. I run 700 x 28's slicks. The rims will handle 23's
braze ons for racks and fenders. I use a rear rack but get haven't bought fenders.

I am not experienced with other bikes but would be interesting to hear some maintenance costs from Surly owners.