The sales guy helping me also had me try an XS women's bike with full size 700 wheels (this one), which was still an entry-level bike under $1,000, but a bit higher quality; unfortunately this pretty frame was still too large for me (based on my height, this would be the recommended size, but my inseam is a bit shorter relative to my height, and it's really inseam that effects where the frame comes up on you).
So, it looks like I'll be going with the Novara Zeno - $649 but held off on purchasing it until next weekend, when I'm told it will be 15% off for REI's anniversary sale (plus I believe it qualifies towards the usual members' 10% rebate at the end of the year). :) The 650 size wheels allow it to have a smaller frame, but it's still an adult bike with relatively good quality parts (though still entry-level quality and price).
It's still not as pretty as the Performance Bike option I was looking at, but for nearly half the price, oh well! (If the price difference were under $200 or so, I think I'd still spring for the prettier one, but for this much cheaper I can't justify it.) I'm sure I can add some color with tape on the handlebars (well, I'm honestly not sure what tape on the handlebars does, or how often it needs to be replaced - but I've seen tri bloggers talk about it, so I'm assuming at some point it'll be worth adding some color that way!).
Not sure about a name, now, though. Any suggestions?