Trek 7100
has front suspension, old-technology headset, grips shifters, chainguard, hole on frame to install backrack, there's one rear gear that's a lot larger than the others (in my experience, this does not always produce the smoothest shifting), Sram rear derailleur (that's for the Sram fans, I won't touch the Shimano vs. Sram debate with a 10 foot pole since I've never ridden Sram), 35mm tires which will make you feel too many bumps on the road (37mm in my opinion would be the minimum I'd go), 14-34 rear gears which suggests to me this is a freewheel and not a cassette (not only is this old technology but I think 11T in the rear is ideal if you have long stretches of downhill where you want to save a lot of time by going faster. Smaller cogs in the rear can make a larger difference than installing larger chainrings in the front)
Regarding grip shifters: When I had manual labor jobs where my arms were a little tired after work, turning gears on grips shifters gave me what felt like electric shocks in my forearms. And when climbing uphill, if you exert a lot of force to push upward, you may find your hand slipping on the grip shifters when raising your butt off the seat to push harder which means you might accidently change gears while you have a tremendous amount of force on the pedals. This produces a sort of grinding noise where your bike doesn't seem to want to shift. It's annoying and one of the reasons I'd rather avoid grip shifters altogether.
Regarding the adjustable stems: I know they look ideal but I have one on a bicycle I have and when it was adjusted very high up, I could barely turn a corner a high speed. It was somewhat dangerous like that so I adjusted it lower and ended up with an angle that looks similar to the angle you have on most bikes anyway. So, in my opinion, adjustable stems are not absolutely necessary.
Giant Cypress
has front suspension, old-technology headset, grip shifters, no chainguard (you can always have one installed or wear one of those velcro reflective stipe things that look cool), hole on frame to install backrack, one gear much larger than the other ones in the rear, 14-34T freewheel (old technology, slower), 38mm tires
Raleight 3.0
has front suspension, old-technology headset, grip shifters, chainguard, hole on frame to install backrack, one gear much larger than the others in the rear, 14-34T freewheel (old technology), 40mm tires,
Schwinn Voyageur
has front suspension, old technology headset, grip shifters, hole on frame to install backrack, chainguard, 42T chainring in the front may not be enough to accelerate during long declines if you want to save a lot of time, one gear much larger than the others in the rear, 13-34T which again is probably an old technology freewheel
Looking at Schwinn, you have the Sporterra Sport which has a sealed bottom bracket, Shimano Alivio rear derailleur (much better than the Altus which is on some of the bicycles on your list), Shimano EF50 rapidfire shifters (way better), Shimano 11-30T cassette (which has more progressive gearing and goes down to 11T), a newer technology FSA headset, 37mm tires, pedals that seem to have a better grip and no chainguard but that's no biggie because this is a better bike in my opinion. There's also no front suspension to avoid diving forward like crazy if you have to brake hard. Even if the SUGGESTED retail is $450, bicycle shops will often have them cheaper than retail but this time of year is ideal. They'll probably be real horny to sell you something so offer them a lower price if it's last year's model. Remember to get either a (minimum 12mm) Kryptonite cable lock or a Kryptonite U-lock (the videos on the Internet of people easilly defeating those no longer applies since they now use regular keys).
Some bike that I like: GT Traffic 3.0, Kona Smoke and Minelli Felipe (Canadian bicycle). The GT Traffic 3.0 has reflective paint, tailight in the saddle, and skewers that lock so you can't steal the wheels as easilly and 40mm tires. The Kona Smoke has 47mm tires and fenders already installed (this was quoted to me as $380 CDN even though the retail is $430, the Canadian dollar lately is about the same as the US dollar) Shimano Deore rear derailleur and grip shifters. But, for the Kona Smoke, I'd rather just change the shifters and sell them on eBay. The Minelli Felipe has a 52T chainring in the front which is only usefull if you live in an area like mine where you can see the road going downhill for several miles. Instead of pedaling like a madman and sweating a lot, I'd rather just have the luxury of pedaling slower on a large chainring in the front and a smaller cog in the rear.
Anyway, I might have a look at the other bikes by Raleight and Giant just for the fun of it.
The Trek is the most expensive, but it would be nice to get a bike from the local shop. 
