Jim, Good to hear you finally got your bike. I too had to adjust the read axel as it wasn't centered. That fixed a lot of my gear shifting problems.

I've been using my bike daily to get to work. I fold it 2x/day and ride it about 3 miles round trip. The other day it was really nice out and I took it on an 8 mile lunch cruise along lake Michigan.

I'm going to keep my fenders on it because I rode it all last week in the pouring rain and while I still wore rain pants I really didn't even need them.