Thanks everyone. It all makes sense, esp about the fenders on a roadie. hadn't thought of that. I'll probably go for more test rides today. It's so hard to decide! I really liked the Novara bike at REI: carbon fork and rear triangle. It was such a butter-smooth ride, but I will not buy from REI. Their customer service compared to a LBS is ridiculously poor. I liked the Burley steel bike w carbon fork, but not the weight. And liked the alum/carbon fork combo, but it was a bit jarring. Maybe w a carbon seat post also. AAHHH! So hard to decide!!!