I'm in California. Its mostly hot where I'm at. I'll be riding it when it rains as well, as long as its not storming. Dont need to haul anything just my backpack. I dont need wide tires or fenders. Dont need rack eyelets. I usually ride relaxed, but i'd be down for one that is tighter, but doesnt have to be super aggressive. Also i could always have a frame with tight geo and raise the stem up. I was thinking a kinesis carbon fiber fork if i end up getting one, but its not a necessity.