Hi there! I'm the original poster. This thread has gone off the rail a bit. All the technical discussion is sorta fun. But I'm not a technical rider or into modding a bike. My reason for a folder was for short day trips. I just wanted to put it into the trunk and go! I also want to experience the group ride as well. However, the club around my home are all roadies. There aren't any casual riding clubs.

The Dahon anniversary or the Terge Verge are the type I'd want. Off the self bikes. Although they are over-priced! A small wheeled folding recumbent is something I'm also into. Like the TW Bent Cobra. I've done a some research and sitting on the fence right now.

I guess 20 inch wheels isn't going to get me into many clubs.