Quote Originally Posted by zoom-zoom View Post
I have several friends who have the Gunnar CX bike and use it for both paved and gravel road riding. Really nice bike, but they don't make it small enough for shorter folks. I think the shortest person I know on one is about 5'7".

I love my Redline Conquest. I've ridden it with knobbies or slicks and I'm pretty sure it can take fenders and panniers.
A CX bike with rack mounts is probably a good do-anything bike.

Shame about the Gunnar. I just looked up their geometry chart. I'm about 5'7", but I'd probably have to be on the smallest size they make!