I like riding nice bikes, but for me, there is such a thing as 'too good' whenever I want to do anything else, except just ride. Stop to run errands; pass a nice restaurant/shop/museum/swimming hole; self-supported bike touring; load the bike on the car for a week's vacation; even lousy road surfaces, etc. Then the nicer the bike is, the more I'm concerned about theft and weather (my good folder excluded as I can take it nearly everywhere).