Finance vs 2nd Hand vs wait for Triban 3

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Seems to me a second hand bike costs about the same as a Triban 3 anyway.
that is true but decathlon have been very good with the warranty on our 2 triban 3's. I have had to have a number of parts replaced (primarily because I cycle all year round in all weather's and have worn out quite a few parts) and all have been replaced (and some upgraded) free of charge. Personally I would ring your closest store and talk to them. We have and have found them very helpful. The tyres are not that bad, not bad enough to worry about until you have worn them out. the pedals on the other hand are another matter.

We both have 2nd hand mtb's as well, and we have to pay for the parts replacement on them - luckily we have a reasonable idea on condition etc and were able to pick up 2 good mtb's 2nd hand.

Otherwise your only option would to be to rely on someone's honesty or a LBS who sells 2nd hand (again unless you know them you are relying on their honesty) or tell us where in the country you are to see if anyone here could visit a 2nd hand bike one day with you to assist with a judgement call on if it is worth the money etc.
 
hows the weather doing up there satnav ?
yesterday had some stunningly beautiful light in between the snow storms. http://www.cyclechat.net/threads/your-ride-today.8938/post-2378755 for photos, rummage earlier in the thread for other 'my ride today pictures'. http://www.cyclechat.net/threads/the-photography-thread.112493/post-2370715.
Seriously high winds have reduced what we have been able to do - when the wind started to toss my T3 around like a leaf on one occasion we baled on cycling - I was hoping to be able to get out on it at some point, but with the weather the way it is and my cracked rib + sore thumb I'm not sure I will be able to now :sad:) .
Today, very little wind and snowing hard. it is meant to clear up again this afternoon, so may just have a pm ride - mtb with winter tyres most likely just from the rib point of view
 
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