If you're set on one or the other, the only way to tell is to ride them both. If neither are comfortable, then suck it up and wait for a better bike to come along.
ETA: Wow, Chattanooga's CL is
grim! What do you guys think of this
Columbia? Not super high-end, but the pickings are slim. OP, you might either look for a bike co-op or a new bike. Good luck.