I recently decided to go car free and built up a mountain bike for winter commuting only to discover they're not allowed on campus during the winter months due to plowing obstruction. To me, that's the perfect excuse to get another bike, and I've been interested in folders for a while anyway. I'm looking for something that is big enough for somebody as tall as me, can take fenders, and has a wheel size that they make studded tires for. Ideally I'll be able to bag it up and carry it into class. Is there such a bike?