Quote Originally Posted by KnottedYet View Post

My opinion, which is worth nothing: buy the Complete. Change the saddle and bars (and get the rebate from "selling back" the bars and saddle the bike came with). Ride lots.

My dose of cruel reality, also worth nothing: you don't have much experience. You are only just learning to ride a bike. Trust Surly to provide a good stock set up. Save your money. Don't trust your fitter farther than you can throw him. Ride lots. Customize after.

Trust all the Surly mavens on this site. We wouldn't steer you wrong. We believe in these bikes and we ride these bikes.)
Yeah, what she said.

The wheels and the drive train on the complete will be fine for quite a while.
Ride lots now. Upgrade later.