old schwinn steel frame mtb's.
i got a
schwinn high plains (previous posts i incorrectly called it a sierra, but it's been in a
box in the attic for six years

) NOS on ebay. built it up with all XT components, except
for the old-fangled suntour thumb shifters. wheels custom built with phil hubs and sun
rhynolites.
not sure of the year (late 80's?). frame size would be 20/21" with 23-1/2" top tube , and
16-3/4" chain stays. they're long enough for my size 12's and panniers.
as long as the frame is solid and fits well, i'd rather put my money into the components.