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It does not have to be a grand tbh but if I were to use either scheme thats what i would be given/use
But thanks anyways
musa-
if you aren't going to go too far off the beaten track, I cannot recommend a giant defy advanced highly enough. 2015 models are cheap too http://www.everndencycles.co.uk/300/products/2015-giant-defy-adv-3-mens-endurance-road-bike-blue.aspx?origin=pla&kwd=¤cy=GBP&gclid=CjwKEAiAmNW2BRDL4KqS3vmqgUESJABiiwDTNZKNh8-p6EZbTRc9w8qpNLn8IxEXM8wp734kxOWnmRoCKdPw_wcB
TheArchitect
While I struggle to understand why you would want to spend considerably over a grand on a commuter bike; maybe go to giant and ask about their 2015 bikes as they often have big discounts