The annual basic bicycle insurance policy covering bicycle theft, crashes, and accidental damages costs on average between 7 to 12 percent of the bicycle's worth, with a minimum fee of 60 USD. While...
Upgrading the stock wheel would be worth it only if the value brought by the substitute wheel, in terms of aerodynamics performance and weight, is significantly higher than the cost or if the stock...
One can say that TT Tri Bike is noticeably faster as they are more focused on aerodynamics. But there are some times and places where a road biker can be competitive.