@ pxboii, as Sydney put it so well: 'There is a lot of BS in LBS'. I also know from first hand experience that touring on a 20 inch folder can very comfortable. I run a Sprung Brooks Saddle and Big Apple tires but that might even be a bit excessive. If you are still worried about comfort check some of the threads on these boards, i think you will find that it is a non issue for almost everyone and your LBS guy is propagating a myth.