Mercedes Benz has a folder that might be a good fit for you, but I doubt it will come within your levels of acceptability in regards to cost.



Nothing will be as nice as the Downtube. I would consider the FS, since 20" wheels on high pressure tires are not 26" wheels with off road tires.

Just one catch: the size of a folded downtube can grow old really, really quick.

If I were you, I wouldn't think twice: Get a Brompton. I ride mine in mid traffic in Rio de Janeiro, Brazil. Your urban environment cannot be more panic stop demanding than Rio! It is hilly, it is wet, it is violent and it has over 11 million people with over 6 million tourists during summer. My Brompton had AMAZING stopping powers.








If you really feel the need of adding disk brakes to it, you are in Portland! You can always find a frame builder to add them to your Brompton. Best folding size, more than decent bike once unfolded, with the braking powers you want. Last time I quoted, it would cost 100 bucks of labor, 20 for the parts to be welded to the frame (I was adding V-Brakes though) and another 50 for the repainting.




Good luck on your final decision.