Thanks for the input. Wsteve464 I should have specified it has to be a recumbent because my wife cannot tolerate any wight on her wrists. The barcroft looks interesting I will check it out. I would very much prefer to buy something pre-made The issue with a bent such as the barcroft is dealing with the chain when one has to break it down to get on a train. When we are touring we are carting around 40 pounds of gear hung from every possible point on the bike. Getting all that off, breaking down the bike and then lugging it all onto a train is not a job for the faint of heart. When you are catching a train in some little town you've got about 2 minutes to get everything on. Sometimes the train people are helpful and sometimes they are not.
Thank you very much for your thoughts. I really appreciate you taking the time to help me on this quest.

For some reason the site keeps asking me to reload because the token has expired, so if there are 5 copies of this I apologize