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Only one bike? Probably a BikesDirect Ti Century. Good Ti frame for the steel-feel but with immortality and lighter weight, has eyelets for rack & fenders, Ultegra group, and all at a decent price compared to other Ti bikes. Can fit wider CX tires for offroading, wide road tires for commuting, or thin tires for 'fast' rides (not that my amerilard ass would ever be fast lol). Can fulfill all my needs basically