Recumbent hater
I put MTB type with commuter stuff. It is a heavy duty recumbent with big fat tires and 26" wider disc wheels like a MTB and takes a beating. I got tons of bags, fenders and a rack on it.
Unlike the road bike type recumbent I'm going to get with thin 700c road bike racer type wheels and nothing but a cell phone, patch kit, spare tube and a mini pump on it.