Lucky you! I paid full boar for my BMC. But unlike some of the '"Fad" bikers... I intend on keeping my bike for many years. and Ride it quite often, even still, Now I got 3 big twin bikes... I kant ride them all every day...but I can try.
Good luck with your search, if you can turn a wrench, AND you are getting the bike half price, then there is nothing to worry about (with no warrentee). Find the one you like, buy it and ride it...
Good Luck.
Edit: I know I didnt get either of those brands of bikes you are interested in... but I did get a 'factory custom' which is kinda the catagory these bikes fall into.