I'm new here, so I hope I'm in the right place. I try to bike to anything within 10 miles--work, church, doctor, library, etc--if I'm not under time compulsion. I'm about to buy my first folder, and what concerns me most is speed. I've been riding a clunky 3-speed that I can cruise about 12 mph on level, but that's too slow. I test-rode a Novara Flyby 7-speed and a Tern Link D8 at REI, but they didn't feel any faster. I can start in top gear on both of them. Is there an affordable folder out there that will allow me to cruise at 16-18 mph? BTW I'm 63, 5;9" and weight 225 lbs. It's pretty level here, so I don't need a lot of low gears.