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@StandardPractice
Erm, I would probably just call it a bike.
Utility is a daft word to use as all bikes are inherently useful when utilised. You could reasonably call an olympic track bike a 'utility' bike, in as much as it performs a specific function.
The commonly used term 'cargo' bike is much better, for instance.
P.S. do you keep your utility bike in your utility room? That would be funny.