if budget is your main concern, i would second going the used/ebay/internet search route. obviously, that takes much longer. you can, however save a ton of money, get your bike fun and rideable, and then swap out for more expensive parts later or as you need them. i put a sam together for a little less than 600$ (including saddle/seatpost/pedals) by making some trades, bidding, using coupons, buying from the group, digging in parts bins etc. in some cases, i ended up with better items than would be in the riv build kit. only a few concessions were made (older bar ends, claris derailleur, vintage sr seatpost). the wheelset is where you'll spend the most, and for my purposes, a lightly used/good quality wheelset (not hard to find in 700c) was a worthy concession to save 2-300$. ill get a few years or more out of them and then i can upgrade if i want. in the meantime, i have a bike that rides great and i saved some money that i can spend on bags and racks and lights and whatever.
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