From what I understand the Bad Boy is designed to run 700's and 26's, I have seen some on Craigslist with both sets of wheels. This is part of the appeal of it to me. I don't have a close area in which to moutain bike so the bike would be running the 700's most of the time, until I got a chance to go about 45 miles up to the mountians.
I am carrying 2 co2 canisters and a patch kit and carrying a spare tube and running slime tubes cause were I run is "Goathead Alley". My tires look like pin cushions and when they set for a couple days, you can see the slime leaking out ! It's getting close for new tires I am sure, but I am not a racer, I just ride hard solo most of the time. I have never rode more than 25 yet, cause the seat starts getting to me, even with good bibs...lol
yeah, you can swap wheels... no problem... just don't know if it will have the clearance for mud that a dedicated MTB would have. now... that's not usually a problem, but on those times when it is, it can become a big problem.
i'm not saying that something with fat 700s is a bad choice, especially with the option of changing wheels that the disks give you.... just that you can get nearly the same flexibility for less money with just 26s and two sets of tires.
if you just started riding frequently/seriously when you got the 'dale 700 miles ago you will probably need more time to firm up your glutes which will make more saddle time easier to bear.
shorts or bibs with the polypropylene pad in the crotch and no cotton skivies will help keep things dry and unchafed. occasionally standing to stretch can help too.
and sometimes you need a different saddle. i can't tell what that is, but it looks like a Flite, a very thin saddle. since you're still toning up, you might find something with a little bit more padding and a little wider more comfortable. it's a personal preference thing.
and it's really hard to tell from the pic, but the nose of the saddle might need to come down just a touch. id "the seat getting to you" means that Mr. Happy is getting numb then i'd suggest lowering the nose of the seat.
if it means that you get pain at your Ischial Tuberosities or "sit bones" then i'd try another saddle or more saddle time.
http://www.sheldonbrown.com/saddles.html
the only thing worse that goatheads is aluminum chips from a CNC mill.
