1. Full rigid MTB with Nokian Extremes for the really nasty stuff. 2. IGH with nokian W106's for general winter use. 3. hybrid with front and rear racks, fenders for heavy hauling, utility use. 4. CX bike with fenders for above freezing wet days. 5. Waterford for the nice, dry days. 6. Old, lugged steel Schwinn for when I'm going places after work where I don't want to leave a $1,000 plus bike locked unattended.

I figure that gives me six set up with racks that get regular use. There's also several bikes without racks hanging in the garage as well that get used for bopping around with the kids. I agree it is really nice to be able to pick the ideal bike for the conditions.

I also figure that despite having over 200 commuter days each of the last 5 years I haven't saved a dime on commuting - just put together a very nice collection so I do have a choice each day.