I picked these out because of the Hub gears, I have a dislike of deraileur types. Also they appear to have a good range, especially the Qwic. I like the idea of 7 gears but the UM30 has only 3 - is that much of an issue? The UM 30 can be had for £699 - a good price, presumably because it is discontinued. The Wisper has an excellent description, going into detail about the stainless steel and alloy parts that won't rust - just what I like to hear. Can't find much detail about the C-FN7 but it is the most expensive, I would have liked to know what I am paying for here. So, any ideas, any others I haven't found yet? Must be 20" wheel though and have a good range.