Do I need to be talked into or out of a new-to-me bike?

[indysteel]

I would take the cash, add it to the tax refund and buy the best road bike I could afford.

This^^^^ more or less. I, personally, would take a look at the road bike and touring bike offerings to get a handle on what you get for your money. And keep it mind that you rarely just buy a bike. There's always a few accessories that you want/need. If it looks like there will be extra money from that, then get the 7300. Otherwise, don't.