I have owned a trek 820 for quite a long time. I bought the 820 when I was 14-15 years old. I decided to start touring, and of course for a broke college student, I had to use what I had. I scrapped the derailer, the old casette, old chain, all brake and derailer cables, got new rims, new slick tires, new pedals, new axles, and some sturdy racks. It only set me back about $150. I have toured over 1,000 miles in the past 2 months on it without a single problem. It carries a huge load because I like to take more than the bare essentials. I'm doing the blue ridge parkway here in a few weeks and I'm certain it will do just fine. In my opinion, those who are on a serious budget can get by just fine with the 820. The pannier bags and equipment alone costs a bundle so if you cant afford even the trek 520, the 820 should get you there and back. Nevetheless, I believe I will upgrade to the 520 once I get some cheddar flowing in.