I am in the market for a steel single speed road bike. I am looking for a fun urban bike for commuting, general city riding and maybe some rails to trails rides with Monica.

I have narrowed it down to the following, all have rack and fender mounts, are steel and are single speeds.

Bianchi San Jose link
Pros:

• Can add disc brakes for winter riding
• It’s a cyclocross bike so it’s more rugged

Cons:

• Maybe not as “fun” a ride
• Can not be set up geared

Salsa Casseroll link
Pros:

• Can be set up geared
• More “fun” of a ride

Cons:

• No disc brakes

Redline 925 link
Pros:

• Cheap
• Comes with fenders

Cons:

• Maybe too safe
• Not sure I like bullhorn handle bars