I have a 1999 Terry Classic, also steel with 700 wheels front and back. Currently she has flat bars, but I'm working on changing her to drops. (shaddup jobob, I know this "project" is going on a year now....) The cool thing about Terry bikes, I had some questions about changing out the brakes and emailed the company. Ended up having a great email conversation with Georgena Terry herself.

Sight unseen - I dunno. I drove up to Berkley to test ride and buy my bike.

I just read the Terry website - they will ship the bike to a dealer near you so it can be assembled and fit properly. Then you have two weeks to test ride it. If you don't like it, they'll take it back. (less shipping of course)