FWIW, the two previous posts (Smudgemo and pvillemasher) are 'spot on'. For 'how did this possibly happen' see post #24 in this thread. But when all is said and done my current bike is the only road bike that I have ever ridden more than 50 yards. So there is a ton that I don't know (for sure), although from the perspective of what you can learn from reading I know a lot.

So I am going to apply 'rule of life 5-a' which is "if you are not sure what you know and what you don't know, then NEVER do something that cannot be undone at a reasonable cost".

Thanks to all for the comments/perspective.

dave

ps. I hit age 65 in a few months.