Monty offers a beginner mod bike, several really, that offer the geometry of a higher end bike with less exspensive brakes and such, for under $500.
By simply beefing up your braking, getting rid of your big ring and installing a bash ring, you can turn your mountian bike into a decent stock bike. I ride my regular mountian bike set up mostly for trials just in case I see something I want to try and fall off of.
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I am in the woods and I have gone crazy.