I commute on my Jamis Coda Comp. It's steel, rides like butter, has a rack for my panniers, a bell, a headlight (Nite Rider Trail Rat) and a cateye taillight (t-1000 or something like that). It has 700x28s, and fenders, although we haven't needed them lately, unfortunately. I actually removed the front fender because it kept coming loose. Rain will visit us again, though, and I'll put it back.

It's essentially a road bike with flat bars, and I added bar ends. My commute is 14 miles, about 2/3 through urban environment with potholes and such. Some days I'd like to have drop bars, but I appreciate the flats for getting over obstacles. I have a Terry Butterfly saddle, same as my road bike. Why mess with a good saddle when you find one that works?

I have two sets of panniers, one is a cheap-o Axiom duo that is fine for most commutes. The other accommodates my laptop, it's an Arkel Briefcase. I try not to bring my laptop home very often because that means I will likely do work while not at work, but sometimes I do. The Coda has a triple chainring, but I rarely use either the big or small rings. I stay in the middle, and the seven cogs are just right for my commute.

Oh, and my ice bike is a Dahon Matrix folding bike (26" wheels, looks like a mountain bike) with studded 26x1.5" tires for ice. I don't use it much, but when we do get ice and snow, I'm happy to have it. It folds, so I can easily bring it on the Metro at night, although it's not a small as the 20" folding bikes.

I'd ultimately like to sell the Matrix and get a smaller folding bike, get a beater mountain bike for my ice bike, and add a cyclocross bike to my commuting stable. Then I'd have four commuting bikes, each with a different purpose. I also have a nice road bike, and I'd like to get a mountain bike and a touring bike. I'm a bit bike-nuts.