What is your "dream" bike?

[Jolt]

My "dream bike" would be something that is a good all-rounder, efficient for road riding but able to handle non-technical off-road riding as well. It would also need to be able to haul things and to take fenders without being limited to skinny tires. I would probably stick with steel, for durability. And I'm short, so 26" wheels would be best to avoid toe overlap (a deal breaker for a bike that will be ridden off road), especially with the fact that I would be adding fenders. If the Surly Cross Check had 26" wheels in the small sizes like the LHT does, I think that with a swap to a triple crankset it would fit the bill nicely (provided, of course, the fit was good). The Salsa Vaya looks like it would be good, though I am not sure about the idea of disc brakes.