I am going with the Giant - it is way more comfortable and natural to me, and the staff was the most friendliest and helpful in my quest. They are the only bike shop (out of 4 I went to) that offered to do a full fit for me, and not just doing a 'standover, adjust the stem, and send me on my way' bit. Plus they have layaway and financing, so I may just go with the Avail Alliance or the TCR Alliance. We'll see if how much my husband will complain if I go that route.

Thanks everyone for the huge amounts of help! It is appreciated.