Not broke. Just sold a gas-hog. I'm considering year-round bicycling but with trepidation. I've tried it in college without studded tires and quickly realized the insanity of it. But since learning that there are numerous companies offering studded tire has caused me to reconsider.
The problem is I don't want to drop the coin on a whole new bike only to learn that winter biking is only for those who do not value their life. The cold and chill I can handle, but pulling up to an intersection and finding that neither I nor the 4000 lb truck coming my way can stop would change my mind in a hurry.
The Gary Fisher has hub brakes in the rear and a disc up front.
Oh, and if I realize that I'd rather go back to something with 4 wheels I'd rather have had the $400 to put towards a small car.