it is obvious the bikes offered at the 1000.00 range are mixing and matching the components to keep the price down -CAAD 8 with Fsa cranks , tektro brakes , 105 brake levers , etc . this is just my opinion ,but I would try to keep the mixing and matching to a minimum . ( i.e ) Felt Z85 - all 105 except for the cranks / chain rings (and close to the same price range ) .while at your LBS , you can say something like - I would be going for that CAAD 8 , but that component grouping is a holding me back , make that bike complete 105 for a couple hundred bucks and you got your self a deal .after all they will find use for the other stuff , besides - if you purchased from them , you probably would be buying other items also . nothing wrong with grouping things together to make the deal good for the both of you .and their getting a new customer .
Just a thought.
Just a thought.