If ya wanna go fast hey man its all about your preferences. I put a rack and set of panniers on my 77 Schwinn Volare with some of the twitchiest characteristics of any bike I've ever ridden but it sure is fun and fast. No heel strike but its really close.
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(Life is too short to play crappy guitars) 2006 Raleigh Cadent 3.0, 1977 Schwinn Volare, 2010 Windsor tourist. ( I didn't fall , I attacked the floor)