While true for some people I'm sure, many don't get that chance, and all of us have been late rushing into work once or twice, due to getting up late, or bad weather, and our free time before the job starts sometimes disappears. Or worse you get a flat on the way in, without tools or a spare tube to get you going again.

I'm a pessimist, so I always plan for the worst and hope for the best. I'm just saying, $20 for Fenders, a $20 rear rack, $20 pannier, $5 light, and $10 worth of tools and a spare tube ain't much. A $100 covers it and it will allow someone to not only feel comfortable but confident about their commuting.

Its as much as a investment in commuting to work as the bike itself. Getting stuck all wet one day without time to change or shower the first time does indeed suck.

Jim