Thank you 14R. I doubt that any of my local bike shops will have many folders to test ride, but I will call around. I'm definitely willing to buy off of forum member recommendations without test riding.

With 3 gears on your Curve D3, do you feel as though you have a low enough gear for hill climbing and a high enough gear to not get passed by senior citizens? That would concern me.

I'm not against the idea of 16" wheels at all.

Thank you for your suggestions.