As you say the test ryde will clear things up as to the fit and comfort but you need to consider the type of ryding you will be doing. Each model has that built in the RT full touring and comfort for long trips with storage etc and the F3 is the cruiser sportier but they added the tour package so you can do a bit more. Seating would be the biggest difference all the rest can be adjusted....happy hunting and welcome to the spyder world....