
Originally Posted by
KnottedYet
BCD is not the length of the crank arms.
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.
-Knot: is a fitter, isn't a wrench.
(I'm so serious. What is a upgrade for one person, is a P.O.S. for another. You really need to ride a whole bunch before you know what is an upgrade FOR YOU. Buy stock. Surly is good stuff. It is designed deliberately to be compatible with a gazillion options. You and the bike will grow together. Trust all the Surly mavens on this site. We wouldn't steer you wrong. We believe in these bikes and we ride these bikes.)
To KnottedYet:
Chica. Thank you for expressing my feelings exactly. 
To Caitrin: the stock gearing is better for general riding and commuting. The "special build" gearing is higher with bigger chain rings. Good for speed and training, but not quite as good if your a beginning rider. You'd be happier, in my opinion going with the "stock LHT" build and upgrading bars (shouldn't be too expensive) and saddle (brooks B-17 is a great choice). Be careful with crank arm length as the LHT has a lower bottom bracket (like touring bikes do) you don't want your crank arms to be too long on a smaller frame.
Peace, Love, & Bicycles.
"Things look different from the seat of a bike carrying a sleeping bag with a cold beer tucked inside." ~Jim Malusa
2009 Trek 520-Brooks B-17 Special in Antique Brown
2010 Surly Long Haul Trucker-Brooks B-17 Standard in Black
1983 Fuji Espree Single Speed-Brooks B17 British Racing Green