Since I use my bike to go to the farmer's market and the grocery store and the gym and work...there's only so much you can carry in a back pack. So I had to add a rack and saddle bags.
I don't ride my fancy mountain off-road much and those rugged tires make climbing the hills here more work. I considered buying a Dutch bike but, like the Dutch (who are known for being very frugal), I decided it didn't make economic sense. I'm enjoying my hybrid bike and it will serve me well tomorrow when I go to the market.