Michele, I looked at your profile in the Getting to Know You thread and it sounds like you're at the beginning of your road cycling adventures. Do you plan on venturing up into the Sierras to ride the real mountains (Iron Mtg, Slug Gulch, Salmon Falls, up in Tahoe, etc.)? Or do you plan on staying down on the valley floor and only riding almost flat routes like the American River Trail?
I'm sure some of the forum member who don't live around here and don't know the terrain are going to give their 2 cents on the double vs triple question anyway, but as a local who doesn't race but is fit, strong and experienced with the actual mountains that you will be riding I would recommend a triple for those mountains. There are the odd few that ride doubles but they generally are the very, very small minority. California can have a lot of very long climbs which are tiring in their sheer length (Iron Mtn is a 20+ mile long climb from Pollock Pines to Highway 88). Some are long and steep, but so rewarding to ride. These are wonderful rides and I would hate to see you use gearing that prevents you from really enjoying our mountains.
However, if you don't plan on enjoying the challenges of rides in the foothills and above (Folsom itself is pretty flat and I don't consider it truly foothills), a compact or even a standard double is fine.
Since you ride a mountain bike, you're used to shifting a triple so it won't take you any learning time. A triple allows so much versatility. With a triple, you could put on a big cassette that is great for climbing, but if you're just riding the flats in Folsom/Sacramento/Davis a smaller corn cob cassette is so much more fun for its small incremental differences between cogs. You can swap back and forth and have the best of both worlds.
Tires and saddles -- these are easily swapped out for something better before you even purchase. Don't even consider this in the equation. If you don't like the saddle, have them put something else on. The tires will wear out and you'll replace them soon. Worry about the fit of the frame, the ride quality (from both the frame and the wheels) and the components. I think those two bikes are so close that you need to go with the bike that fits the best. 25 miles isn't all that far if you like one shop better than the other. For instance, if one gives more attention to you and the fit. There should be several shops in the area that have both bikes and can set them up side by side. Wheelworks in Davis will also make sure that they have the bike in your size if you call ahead and give them a few days to get the bike in and build it up. That's just the way they do business (and they carry both brands).
BTW, there are far many more factors in choosing a size than inseam. You need to be fit on the bike. Forget the inseam thing. Get fit.



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And all this without clipless pedals (I'm learning to use those on the fluid trainer first). Someday I'd like to be able to ride up in Tahoe.