I have two Bike Fridays - a
Pocket Rocket that's set up as a skinny-tired road bike with Ultegra components, and an
Air Glide set up for touring with a mix of Ultegra and XT components to give me lower gearing.
I use both bikes for wandering around my home area, I use the Air Glide for loaded touring, both for credit-card touring with small amounts of gear, and the Pocket Rocket for commuting to work.