Disagree: While I think the original poster doesn't have enough diversity in his stable, it is great having more than one bike. I have a minimalist fixed gear and one with fenders (a rain bike). I have enough extra parts and wheels that I'm never without a bike.

A rain bike is indispensible.

I wouldn't mind having a bike with panniers... or a SS mtn bike either.

Of course I still have a few geared bikes as well... and my wife has 3 bikes...