Well... I just put in an order for the Gold's Gym XRS20 Bench
Picked it up at Wal-Mart online for $144. It will be just right. It has a max weight of 610lbs (including me, which I'm ~215 now). So, that will enable be to at least bench 395lbs... MUCH more than I ever plan to, especially without a spotter. The bench is removable, so I can use the rack for squats and the bench for DB work (like DB rows).
I think it will work well. Plus, it is going to be shipped for FREE to my local Wal-Mart for me to pick up.