Update: I went to the bike shop and picked up my Surly 46cm. It was lovely. Except for one thing, the drive train chattered excessively and made a grinding noise during coasting. I took it back to the shop. Defective Free Hub is the diagnosis. I will hopefully get it back on Monday. When I do I'll try and snap some pics. Has rack, bottle cages, and ill fitting but functional fenders. The stock saddle is a vadge-bruiser, I will replace it shortly. (I can't find any good fenders for Surly's 26'' wheels. Alot of people say there are, but when I read the reviews for them it's a disappointment) Point being, me and my Surly (as of yet un-named I need to ride him more than once) hit a slight snag - but will be on the right track shortly.

Footnote: I've owned a Jamis, Surly, and a couple Treks. So far the Trek 520 has been the most maintenance/problem free.