Overlap is a questionable quality. One bike really can suit all of a person's needs, for most people, anyway. One reason I have more than one is so that if one needs repair, or even tuning or a flat fixed, I can jump on another. So for me, overlap is good. I have two or three I can casually ride around town and lock up on the street without much fear.

treebound needs money. I do, too, but I appreciate the point about versatility. I think I'll aim for that quality to figure out how to cull my herd. I also don't want to have a large amount of value between my legs because it eventually gets locked on the street. I don't want to be devastated if the worst happens.