After visiting loads of bike shops, making up my mind twice then changing it I have today bought a Trek 7.3FX Disc. I was going to get a Marin, had settled on it, but the Trek has a better warranty and including having a pannier rack fitted still came out best part of £100 cheaper than the Marin so I changed my mind again. Now I have done it I am looking forward to having a first ride tomorrow. Here is a picture.