I am somewhat contrarian - at least from the Riv / BQ perspective. In the nine years now I've been without a car, I have come to the conclusion that I far prefer a a low trail bike with porteur style rack for urban commuting and errand running. For me it is easier popping my things and purchases into a front mounted porteur bag. Unless absolutely necessary, I do not drive on vacations either. For cycle vacations I like a bike with lower Mid-trail geometry with luggage in panniers weight divided 60 front / 40 back. I currently have a custom for this, but previously toured on a Hilsen worked great. My third and purely recreational bike has higher trail '80s Italian race bike geometry. I use this mainly for weekend fun rides. This bike has no provisions for fenders or racks. If the weather is absolutely certain to be dry for the weekend, I have loaded a change of clothes in a large Carradice saddle bag and ridden up to my Dad's house (about 70 miles a way) no problem.
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