Myka HT Sport Disc

If you: Ride any distance on rugged roads or trails

You need: A mountain bike capable of sure-footed escapes down dirt trails. Good models have suspension and can stop on a dime.

One to try:  Specialized’s Myka HT Sport Disc ($610) features front suspension, as well as carlike disc brakes that are unfazed by mud. The swoopy aluminum frame feels athletic under you.