The only stock bikes I can be fit on are terrys and I absolutely love them. This year they are making Isis in steel in the waterford factory, it doesn't get much better than that. If I didn't already have one steel and one titanium isis, I would take a very serious look at them. They also now use two 650cc wheels on the 19" and larger models. For me what works about the terry geometry is not just the short top tube, but the slack seat tube, since I have a long femur. You can also order Isis configured with two very different kinds of gearing. Isis also accepts a rear rack and tires up to 28c, so its easy to configure for light touring or go fast riding depending on the tiress and gearing you choose. Also, they usually do a guarantee where they will ship to the bike shop of your choice, and you have 30 days to ride and return it if you aren't happy (or something like that, check for exact specs). I also found if you ring them up they are flexible about componenet substitutions within a range (i.e. it needs to be something they stock), like if you need a diff. size bar or stem than is spec'd they'll ship to your specs within the same component group.