All three...though I don't have a cross bike set up right now. Ride a steel Redline 29er off road and have been commuting on a singlespeed Swobo del Norte lately. Really starting to get addicted to the steel frames...must be my old bones creaking. Next time you're in SF, rent a bike at the wharf, take it across the bridge and around through Sausalito and then to Tiburon. Ride the ferry back to the city.