Stopped by Trophy bikes a few days ago. They are awesome. Confirmed my dislike of cruiser geometry (too bad, because otherwise the Breezer would be fine).

One of the other shops had a frankenbike made out of a Surly Troll with Breezer drivetrain mated to it. Didn't have a chainguard and was out of my price range, but 8 speed Nexus would've been awesome.

Brought up another question, though. Suppose I stretch my budget and buy a Kilo WT5 (still the leading contender). How, then, do I get a fully enclosed drivetrain on it? Seems like no one sells the necessary plastic, and the add-on kits that I've Googled don't look to be protective enough of my clothes....