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imo, get about 3-4 hours free to go to a bike shop and try the bikes, helmet, and shoes. everyone has different taste and preference. For instance, I went with a Ridley even though all my bike friends told me to go with a cervelo due to their experiences. I choice the former because it just felt "right" when i test rode the bike.
Ideally, a better option is to go with the better ultegra groupset if you have the cash. but imo, the 105 is already quite sufficient for the recreational rider. I had it on my Focus for 3 years without any issues. Every year, I would take it to my LBS to get it tuned and checked.
It seems like disc brakes are starting to become the next trend and 'common' option for road bikes. And i think it would not be a bad idea to adapt this setup on road bikes, especially with Vancouver's weather condition. That being said, I would go with number 2.
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