If I could have only one bike it would probably be a CX bike. I don't ride offroad much but I do ride in winter so the ability to amount a wider studded tire is important.

My wife works in the evening and we have kids so I need to get home pronto. The MTB takes an extra 10 to 15 minutes each way over my road bike. That's an extra 20 to 30 minutes a day I can really use sometimes. I realize that not everyone is in that big a hurry and I wouldn't necessarily disagree with someone who says I should figure out a way to lead a less hectic life, but that's the way things are currently.