I can't speak to the 820 directly, but I have a Trek FX2 that has supported me quite well and is super comfortable to ride. I weigh in at 365 and it has carried me well. The problem I see with the 820 is the front shock. The shocks aren't calibrated for those of us with ample weight, and tend to bottom out and make it harder to climb, in particular. The FX2 is going for $489 per the Trek website - while it's a bit pricier, it's within your self-imposed budget and I think would make for a more comfortable ride.