RedRhodie,

Thanks, and yes, I am currently working with Stedman's. The place is fantastic. I had gone into another LBS in Newport, asked about steel, and was told "no one does steel anymore". Obviously not the place for me. Stedman's actually has a Waterford frame that's a year old which he is going to build up for me to see if I like it, and if it is the right size. If it's not, I'm planning on checking into the Gunnar sport. I would love to test ride one!
I have checked the Terry site, and will continue to do so. You can't have too many bikes, can you? Thanks so much for the link to circle a - I'm definitely checking them out as well.