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Old 06-06-14, 06:44 AM
The Recumbent Quant
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Join Date: Jan 2012
Location: Fairfield, CT
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Bikes: 2012 Cruzbike Sofrider, 2013 Cruzigami Mantis, 2016 Folding CruziTandem

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For a bike, I'd probably get the upgrade and skip the warranty (as the OP suggested). If the frame breaks, that's covered. If other pieces go, they aren't (generally) that expensive to replace...
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