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dosent brutuskend (sp?) work in a bike shop? you might have some luck picking his brain >>
Why yes, yes I do...
The newer bikes use threadless head sets. (Which are NON adjustable in the conventional way, but you can get a stem with a steeper angle which will give you a more upright riding position, and they are very easy to change out {AND FAST}
For off road riding you need a longer/flater stem because you need to have enough of your weight over the front wheel other wise when you start climbing a steep hill you can't keep your front wheel on the ground.
I suggest you get one stem for road ridding (with a more upright angle) and another flater stem for off road.
Stay away from full suspention bikes. They are mainly for downhill, unless you pony up for one with a lock-out on the rear. ($$$$)
MAKE SURE you get the right size frame!!
For on road, most people find a larger frame more comfy because the seat will be lower in relation to the bars. But for off road (IMO) the smaller the frame the better. It will be easyier to handle and you will not bust your jewels!!
While standing over the top tube, with your feet togather, you want to be able to lift the front wheel at least 3-4 inches!! Other wise if your climbing a steep hill off road, and you try to get off, you can't get your feet on the ground!
As far as which brand to get. It really makes little differance. (Most bikes come out of the same 3-4 factories in Asia)
Look for what componants come on the bike. And what the frame is made out of. Cro Mo frames will give a softer ride (They flex somewhat) Alum. will tend to be lighter unless you step up to a REAL high end Cro Mo frame set.
For the most part if you buy a used bike you will get more Bike for your Buck, but you will also get no warrenty.
BTW: I have a Trek 7000 (17 inch) for sale in the FS/FT forum!
Hope this helped you a little bit!
( pardon the spelling, I just don't care today!!! )
EDIT: BTW if you want comfort, get a suspention seat post instead of a F/S frame. Less weight, less upkeep, less moving parts to wear out, much less $$$$$$