Actually, I have more than one bike. The new one will be strictly for fitness riding, with some Gran Fondos and similar rides. No racks, no fenders, no extra stuff. It's just that the roads around here are sometimes quite bumpy. THis can be due to lack of maintenance, tree roots, and although riding on the sidewalk is illegal here in BC, there are a few places where cyclists are required to ride on them (over major bridges, for example) and my hands are just screaming. I'm not a racer, but I do like to challenge myself without hurting myself. I like to ride 50 to 100 km distances at a time.
If I'm going to do errands or go somewhere where I will need to lock up, I take my Miyata touring bike.
Jacquie