Three of my four I bought second-hand. That saves a chunk of coin.

I love road bikes, so all of mine are some variation on a theme of roadie. Two are outfitted as commuters with full fenders and racks, and one of those can fit my studded snow tires. The other two are pure roadies.

On Mondays and Thursdays I use one of the commuters to haul in clothes and food for the week (and library books) on Monday, and to haul home the laundry (and more library books) on Thursday. Tuesdays and Wednesdays I can ride any bike I want.

The perfect week is my four-day, four-bike week. Each bike goes to work one day. This is what I miss most in the winter.