I am soooo soooory this happened to you Mimi. I think you should definitely return the bike. I just sent you an email with more thoughts on this matter. Be strong, at least you have a bike to ride you enjoy, and just take your time getting this worked out. After the bike is returned, if I were you I would return to the PT you liked so much, and let him design you the frame of your dreams, and install the parts you bought. A good frame builder will consider both fit and function, building it to take the range of tire sizes and fenders that you, the customer, want, as well as fitting you like a glove. So, cheer up, if you handle this correctly you'll still end up with your dream bike.