I've decided it's pretty ridiculous to fire up the SUV for small trips to the store or even going out to the gym. I have a nice road bike and a FS MTB that won't take fenders (and it too heavy/bulky to ride long distances). So, I'm thinking about getting a commuter but I'm totally clueless about brands & what to look for.

I need something I can put a good sized rack & baskets or panniers on, so it needs to be fairly durable. I'd also like to ride 8 miles to my favorite gym, (some big hills) so I'd like it to be "ridable" if you know what I mean.

I'm thinking this might be a good time to buy because there are lots of end of year sales going on. So, my question is - what are you riding & do you like it / and/or what would you like to ride? I'd like to keep it under $700 if possible.

Thanks!