I think the 2014 Defy 0 is the way I want to go, looks like the credit card is going to take a battering

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Cyclescheme, C2W scheme, 0 % intetest ?
I would avoid the CC unless it has a long % free period, just as, if like me (lacking self control) they can become a burden.
Anyway, I would definitely go for a 2014 model Defy 1 (if you can find one) or the Defy 0.
I once owned a Defy but alas but wrong sized frame 2nd hand back when there was no M/L option (which would have been perfect).
Great bikes, well made, colours are not my cup of tea for the new ones but you won't be disappointed.