does such a thing exist? I'm looking for < $500 US with clearance/frame mounts for fenders, studded tires (26x2+ or 700-38+) and fenders and a rack mount. Gearing isn't that crucial since there are few hills. I only plan to ride this as an ice-bike on roads that are semi-cleared. I've started looking but all I find are $700 bikes (CD Bad boy etc.) or kids bikes. Where did all the cheap adult bikes go? (they all seem to have a fork suspension, which I hate.