I have been putting together my new commuter bike for the last 2 months although I have been assembling this in my head for the last 4 years or so. I am finally in a place where I could afford a nice commuter and so far I am very happy. The first two photos are before I added fenders and panniers. For any of you needing panniers these Thule bags are on super sale over at bikebagshop.com. I was skeptical of the deeply discounted price, but it legit. The bags are super nice.