I have a Pacific Reach, which is my main transportation (I don't own a car). 20-inch wheels, wonderful suspension, built-in rack for my panniers, 9 speeds, just the right size for carrying into the train. I love it, and when I indulge in n+1 it will certainly be another folder or mini-velo.

I also have a basic full-suspension mountain bike (Specialized Myka Expert). It's nice for rain because of the disc brakes, and it's just so much fun to ride that I often ride it on the street as well as on trails. I don't have the skills to ride anything gnarly though!

PS...At 56, I'm still a neophyte here.