I hope someone with greater knowledge will be along at some point, however, my twopennyworth
the most important factor when buying a bike is fit, which means buying over the net can be problematic, your local bike shop (LBS) will be able to put you on a bike and say yea or nay (if they are any good). TT/Tri bikes will have a more aggresive/aerodynamic (= possibly uncomfortable) setup, as Gyraffe says you need to look at what you will be using it for.
If you are looking for 'bang for buck' then last years model will give you better value (which looking at your suggested list is what you've done).
Very impressed by the shimano componentry on the raleigh- unfortunately only the teeny tiny one is left. Giant looks a real rag bag of componentry but is a triple (greater range of gearing).