I have an IBOC with fenders and lights slapped on it. It's been pretty solid and nobody looks twice at it because they assume it's some Wallyworld thing, helps that it's a hideous bright teal color.

Like other have said, nice bikes up till maybe late '90's-early '00's. The 26" bikes from the early years, either BMX cruiser or mountain are very nice. As are the Ti bikes from the later years before they were sold.