I'd like to build up one of these for a winter bike/commuter. Of course, I'd only buy the frame and add my own choice of components. With the way I ride, I'm never satisfied with fully built bikes you buy off the rack and custom built ones are way out of reach, cash wise. In my opinion disc brakes are the way to go now and this road frame has all the tabs for disc's. Surly makes great frames and they won't break the bank. True their not fancy, but practical always wins in my book. Don't forget to check out Jez Andrews blog here.