Just to add almost as an aside to what already has been above: I found that by far the best price on a Surly Big Fat Dummy was a bike store in IIRC Vermont or Massachusetts (I am in CA). They shipped directly to me. I unboxed and assembled the bike; then built it into an ebike. The basics of bicycle assembly aren't so bad. In fact I suspect you can get the bike set up well enough on your own to be able to walk it into any LBS for a 'tune up'. So maybe thats an option for you.