I have never had a problem loaning my bikes to others.
So far this year I have loaned one of my SL1's to a friend that broke his bike. He used it for a couple of races and for a week or two of training. I think he might be borrowing it again in the near future for some more training and races.
I have loaned my mountain bike (Titus Motolite II) to a friend of mine on about three or four occasions, once to go to Pisgah for three or four days.
I am getting ready to loan my Redline Conquest to another buddy for a couple of months. I just put new road tires on it and gave it a tune up. He is riding a 15 year old bike and his easiest gear is 42-21. He doesn't have a chance at doing any of the climbs around here. He plans on buying a bike around October but I thought it would be nice if he had a decent bike to ride until then.
I have loaned my bikes to several people that I don't even know to let them decide if they like the bikes or not, also to check out sizing. A buddy of mine owns a shop and gives me great deals. To return the favor I try to help him sell bikes.
Oh yeah, I've also offered my Zipps to quite a few people that I know for time trials. I've loaned my Trico Iron Case to people that I don't know as well. What can I say, I like to help people out. I've had people help me out in the past so I like to do the same.
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I may be fat but I'm slow enough to make up for it.