Awhile back I saw a Schwinn at my local Walmart that looked like a decent buy for the money. For around $180 you got a hardtail with fenders and a rear-rack. "Serviceable" is the word that comes to mind. It was a basic bike, nothing fancy about it, but I think it would get the job done. Given the style of bike that it was, I honestly thought at the time that it could live up to what it purported to be.