Out of curiosity, I just looked at Terry's current offerings, most of which appear to be in the range of $3500. Maybe I'm missing something, but from a price perspective, Luna (and any number of other steel builders) could put you on a custom complete bike for about the same amount of money as a complete Terry bike. That's not to say the OP shouldn't just stick with Terry, but if price the factor, she shouldn't rule out custom builders.