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Why? I'd rather cane the fuck out of my Tripster not caring about rock strikes and dropping it than spend money on carbon gravel stuff.
Insure the Stigmata and cane the fuck out of that too.
You know what people tend to ride more? The bikes they actually own.
Hurrhurr. Everyone has their own requirements for their bikes, mine happens to fall heavily on 'If I just look at my bike, does it make me want to ride it'? If not then what's the fucking point of it? Otherwise I might was well ride a toaster.
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Insure
You've not dealt with many insurance companies I take it?
I ride because I like riding, not because I have a shiny thing sat in the corner. I'm not Chris Froome, ie. I'm not looking at the bike while I'm riding it.
If anything, my cheaper, more worn bikes get ridden more because I'm less fussy about keeping them pristine.
You know what people tend to ride more? The bikes they actually own.