Good points all around, Tri Girl. It is very individual, but I like hearing everyone's opinion and choices.

I think the most flexible solution would be to put aero bars on the road bike no matter what, and wait for a good deal on something. That would still mean being sized/fitted either way, so I would know what to watch for. I could go play with a tri bike and see, I suppose. It seems a little intimidating. I have these images of these super-fit athletes and getting someone's nose turned up at my regular old self, but you know the middle/back of the pack have to buy their stuff somewhere...