The hybrids are quite a bit cheaper, for what it's worth. I second the idea of going out and test riding. Go to multiple shops, you'll get to try different bikes, and learn a lot by talking to different sales people.

I guess the risk of getting a cheaper bike "for now" is that you might want something better or lighter down the road. (all puns intended) Maybe do the LBS circuit then see what's available in used bikes? Anyway, as others have said, having a hybrid around as a second bike would probably really come in handy. Also, ask if they have "last year's model". I saved quite a bit by getting a 2005.