Though I occasionally forget to stuff my pant leg, I'd stay away from a full chain enclosure for the bulkiness alone. One of those circular chain guards would suffice. I really just need to remember to stuff my pant leg.

I don't think it ever gets dark enough for me to need a light during my commute, but I get off at 4:30.

Count me in for the IGH. I'm dying for one. I'm on a single speed at the moment. Next bike is definitely 8-12 gear IH.

I tend to drive on rain/snow days because I don't have fenders. I opted for the widest tires I could fit instead (700x35c). Considering it rains/snows much less than it doesn't, I'm torn on fenders. I'd love to have them when I need them. I'd hate the extra weight on those other days. And I can't imagine installing/removing fenders that often.

1 out of 4

My ideal bike is a steel track-like frame (which is what I have), but stretched out just enough to fit 700x40c tires, with 12-gear IH & drum brakes. Aesthetically, I like lugs & quill stems. As much as I want fenders, an IGH all but assures I won't have them on the next bike. The closest complete I've seen is the Kilo WT (no lugs or quill stem) and the Pashley Gov'nor ($$$, only 3spd and long). One day I'll build this bike up.