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if you're doing mostly road with a bit of smooth dirt trail, why not get a 700c hybrid instead of a mountain bike. just the smoother tires will make road riding that much better.
definitely get a good fitting gel seat.
and if you're spending points, go to a bicycle shop and get measured and fitted. not just "you look about an 18" frame, here's one that'll fit ya"
tool bag: phillips head, flathead (or a multitool) and 6mm allen should be all u'll ever need. if you are riding far from home, a spare tube and patch kit would be good too.
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