Sorry about your bike. That really stinks. As for a bike out here in CO, I have a Road, MTN, and Cross. I usually use my Cross bike on most the the "urban" trails because it is a little more sturdy then my road and some sections of the trails can be a little rough. One time I was riding down a hill on one of the trails west of town, rode under a bridge so I could not see as well and ended up hitting a huge rut/hole in the concret. My front tire hit it hard enough that my hands flew off the handle bars and I ended up with my forearms ontop of the handle bars. Luckily I did not crash, but if I had my road bike I am sure the bike would have sustained some damage.