OK - I over spent by £95. My OH says if I feel guilty about it I can use the money from my own account to make it up!
I have bought this - well currently left a deposit on it until tomorrow am.
I confess to knowing nothing about the manufacturer - feels like I should be buying a camera not a road bike.... but the geometry suited me really well on the women's 52cm model and I have managed to wrangle the £75 trade in for the Triban 3 and keep my existing wheelset (Fulcrum Racing 7 CX's)... in fact the guy in the shop was insistent that I kept my old wheels because they are better than the ones on the new bike. The gearing is a compact 50/34 but with a 12-32 cassette which is 10 speed, so gives me the same or exceptionally similar lowest gear. It has loads of clearance under the brake callipers so mudguards won't be an issue, and will take a rack (we even got one off the shelves in the shop to check we could get the pannier arm to the brake bosses around the rear calliper cable). Weight wise it comes in slightly lighter than my existing Triban 3, some of the Specialized bikes I tried out seemed awfully heavy. I looked at a variety of bikes including some Pinnacle's and one or two others, but in the end preferred this one for some strange reason. It just felt right sitting on it.
So problem of fitting mudguards has been dealt with... I

'ed. Possibly not the cheapest way to deal with it, but

n-1 in exchange for n+1 and some ££££ happens tomorrow.
http://www.fujibikes.com/bike/details/finest-11-c
thanks for everyone's help. I know it is not one of the models anyone suggested and I hadn't even looked at it previously either, but I will save £95 in bus fare alone inside 2 weeks if I had to use the busses or trains to get to my parents' home 3 times a week from where I live, so I can 'justify' it!

(
Honest)
Just tell me I haven't made a huge mistake please!