We need to bear in mind that this isn't so much about what each of us rides, or even what would each of us would ride in the original posters situation, but what would best serve the original poster with the information we've been given. I think given her current level of fitness, where she wants to ride, and the negligible difference in cost if she has them change it out for a tirple now, she will be best served by a triple, especially if its her only high quality road bike.