For practical purposes, nobody NEEDS an expensive bike. I've often thought I could collect a small number of old Schwinn Travelers or the like - a couple to ride, and others for parts - and keep my bicycling expenses to near-zero. On the other hand, there is plenty of middle ground between the Schwinn-pile and the $3000+ Riv. For me, the happy middle-point is somewhere in the Surly line-up. The bikes are nice and well-designed, but don't generally evoke the reverent worship that a lot of people seem to feel for Rivs.
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