I don't want to steer the thread off topic, but I just came in from wet weather and must sing the praises of disc brakes. I was entering a street today from a steep parking garage ramp that spills you out directly onto a failrly busy three-lane one way street when I thanked the heavens for disc brakes. Just sharing, I don't want to give anybody the impression they must have disc brakes. Commute on whatever you can get your hands on. I'm in the habit of using my old English-style three speed with a coaster brake for my usual work and school commutes (each under 5 miles one way).