If you get it and can't make it work for you, I'd sell it here on TE or on the Terry site before Ebay. Sell it to an audience who knows what it's really worth! (If I didn't already have 2 steel bikes and weren't 2,000 miles away I'd happily pay up to $400 for that Terry. $500 if I was madly in love with it.)

Don't get too caught up comparing size numbers between a hybrid, a mtb, and a road bike. They are all going to have unique personalities and unique fits regardless of numbers.

Just buy the damm bike!!!