I want to spec out a folding bike for use as a local commuter, (in and out of a bank or doctor's office), medium distance commuter 10-20 km, and an occasional tourer capable of carrying full sized rear panniers if possible to cycle out of an airport with my load. I like nice bikes.
I find internally geared hubs cool, but I wonder if their gearing range is wide enough. I have a decent set of legs and will get fidgety if over a 20 km commute I cannot ride the bike at 20 mph because the gearing is not high enough. Should I go for a geared hub or must I stick to deraileurs?
Budget? up to about US$ 1000.
Suggestions? I have looked on the web at a Dahon Vitesse and a Dahon Mu SL
Can full sized panniers be mounted on a 20" folder? What model rack?