I'm looking at the following three bikes (as i'm not too sure on specs I don't know if they all fit the above requirements). HOY Shizuoka .001 , Charge Grater , Felt QX75. I know neither have fenders as standard, the HOY and QX75 have disks (hydraulic on HOY, Mechanical on QX75), neither have suspended forks. The tyres i'm still very much confused as to what's on them and what can be.