In cycling life, I have only purchased two complete bikes, both were MTBs. For value, a bike frame/fork that fits me well can be upgraded with parts as leaps are made in technology. My MX Leader started with 9S Chorus Ergo and currently has 10S Record. My BLE started out life with 10S Record, then Record/Chorus 11S (first generation), and now has post-2014 Chorus. The only high end (by current standards) bike I have is an Open Min.d with Red 12 AXS, but I bought the frame and parts used, I guess on the showroom floor with some high end wheels, it might be a $9-10K, maybe.
If I could only have one bike, I'd get the most use out of my Lynskey Helix with 8000 eleven speed and Fulcrum wheels. Thank you JeffN.
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