I own a Transfer and I love it. I was weary of the Alex brand rims (I'm what they used to call husky) but so far they've been great. I drop it off curbs and push it through Boston sized potholes and the wheels have stayed true.

I understand it's easy to add fenders and racks to most any bike, but this site rates the Transfer rack as one of the better quality racks available. The dynohub is a nice feature and the light is adequate. I'd like to upgrade the light eventually but I have other lighting projects in the works so that's on the back burner.

As a bit of a homebrew fanatic I dig that the handlebar comes with 3 brazeons for attaching your own items. (One braze-on is used for the light, one for the reflector bracket, and one is empty) Still, I put some Nashbar trekking bars on it for additional hand positions and I'll be swapping the stem for a fixed version. I just dont like adjustable stems, but I appreciate the ability to fudge around until I find the correct angle.

I feel a little weird about buying a brand new bike in the summer and then using it in the winter, but that's what I intend to do with it....I think...maybe...I guess....hmmm *eyes old neglected trek 820 frame*