I do not recommend the kid seat on the rear. I did have those for my kids 15+ years ago, because that was all there was, but a child trailer is MUCH safer. A child is much more hurt in a fall from a seat than trailer. Trailers are designed to not tip even if the bike falls, and even if they tip the child is strapped in and protected. So, irrespective of which bike you buy, I would plan to use a child trailer rather than a seat, or a tag-a-long when the child is old enough. Secondly, buy the bike you love, but maybe through them so they won't charge you the restocking fee, but even if they do its cheaper than being stuck with a bike you don't enjoy. You don't need suspension unless you plan to ride off road, just get a basic road bike for road riding.