Yeah -- I get this, but I'm not sure where I'd go with these, in terms of specifics. For example: I'm not crazy about the idea of a brooks saddle because I don't always have the ability to park indoors/out of the weather. And frankly, my current saddle is fine, I think.

If this were October, I'd be so there... but for the next 6 months, I'm able to avoid lights, mostly, so my bar mounted tactical flash is more than enough, and I have the helmet mounted flash in the pannier just in case... Hopefully I'll have some cash to blow next fall for some serious lighting, but for now I'm looking for some immediate return :-)

I guess I should have specified: The ride I'm most likely to blow some cash on is my daily commuter - a 2010 Kona Dew Drop, with a Topeak Super Tourist DX rack (utility), planet bike fenders (all three), and pretty much stock in every other area. Probably less than 1000 miles on the drivetrain, so nothing has serious wear on it yet... I have some adequate Avenir Panniers, and I'm not expecting to replace them until they wear out -- I'm mostly a fair weather commuter (rain is fine, but I prefer to avoid it if I can). I also have a late 90s Kona MTB but it is mostly my backup/ ride with the kids bike.