If it is any help I have a 2004 F45 which is very similar to the 2005 F55.
I love the bike!!! No complaints other than having to put new bar tape on as the original came undone almost immediately, but that is pretty minor.
It may well be one of the best equipped bikes for the price, but that is my opinion as I shopped a variety of bikes last summer.
If I had to do over I would buy the F55 this year.