I have two - my Windsor Leeds road bike set up with panniers, two front lights and tail blinker and toe clamps I use only to keep my tennis shoes in the right place, and a Specialized Rock Hopper, also with panniers and two front lights and rear blinkie, with just platform pedals. I frequently ride in just regular nylon type athletic shorts and a t shirt or sweat shirt with a wind breaker.

I use them for erands, grocery shopping, to go to the rec center, and for up to 20 mile rides.

I like not having to go through the ritual of special bike clothes, shoes, etc., but I do that if I want to go for a "real" ride on my Lemond with clipins, bibs, jersey, etc.