Originally Posted by RollCNY

After review of all data, I recommend that you contract your position on bicycles to one, ideally a single speed, to limit your exposure going forward. You will maintain the ability to ride occasionally while you sort out other things, and the simplicity of a single speed will undoubtedly rejuvenate your commitment to cycling as an overarching lifestyle goal. When your financial stability rebounds, which will undoubtedly happen, you can then buy a Specialized bike made from some new stiffer material and become one with the 41, making it all 42, which is, of course, the answer to life, the universe, and everything.