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May not be the most popular opinion, but I tend to think most competing bikes within similar price ranges are going to be very similar in quality and bang for the buck. Schwinn gets dissed sometimes because you can find them in big box stores, but they're quality bikes IMO, and in the price range you're looking at, more than likely are on a par with similar offerings from the bike shop brands like Trek, Giant, etc..
I've owned both Schwinns and Treks, and currently my wife and I have a bit of a stable of Treks. Were I in your shoes, I'd probably go with the shop I liked for the future support.
But I think quality wise, you'll be fine with either bike.
Bill
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