yeah feel free to call me stupid. a plier sure looked very capable to me of cutting a brake cable....until I had to install a brake myself. more tools, more $$$. sigh. thanks a lot on the torque advice! I will be sure to not over wrench it. pretty sure now that is what they were talking about, since there is no bolt holes and real estate in the center is quite expensive. Yeah this is basically a commuting/touring bike. I don't really see myself racing haha.