When I resolved to rationalize and expand my bicycle stable, I realized that my trusty, elegant commuter and reliable little folding bike would have to go. Ivy Mike was a lightly modified 2011 Novara Fusion that met all my on-road needs in style. However, when he was in the shop, or I needed to be flexible with my transportation plans, it was Nightbeat, a 2014 Novara FlyBy that took up the slack. In order to make room for a folding mountain bike and a folding road bike to explore the many trails in Austin and the many long organized rides around Austin respectively, the roles of my two steed would have to be met by a single new bike. What folds small for logistical flexibility, has multiple internal gears, disc brakes for wet stopping, fenders, and can mount panniers? I'd been pining after the Tern Verge S8i for some time, but at $2,100, it was simply more than I was willing to spend. I examined its features and picked what I could reasonably compromise on. Hydraulic discs were n...