Closest I ever came was riding a 24" cruiser around honolulu when I lived there. For the money, It was my only real option other than a crappy MTB. FWIW, This was well before all the SS/FG options for < $300 came about. Rode that thing everywhere. Being able to actually sit and ride certainly helped. For sure, I couldn't have done it on a 20".

Had a surfboard rack on it and everything.