Thanks to the Johns, and Roger 
you guys gave me some great help…im off to
tackle the 20" beast right now
i believe going with the 28in is my next best bet for now…
side note: i rode my uni to work today…and living in Fl, i wasnt really
expecting gale force winds on my way home for lunch…i mustve lost balance
5/6 times due to the wind… and it made peddiling hateful because the wind was
blowing against me
i ended up walking the poor thing most of the way home
thanks again to everyone for the great responses…
cheers,
- J