I know there is truly no such thing as a 'do-it-all' frame, but I want something that covers several bases as well as possible. I would like an 26" xc steel hardtail with pannier mounts plus tonnes of clearance at the back so I can run 700c touring wheels as well (I've done this before on an old alu frame, and it worked for me). In addition I'd like to have some of the comfort afforded by a decent steel frame. I would need at least a 20" frame, preferably a 21". So far I've thought of the Ragley Piglet (no pannier mounts?), the Cotic Bfe (too small and not xc enough?) and the Rock Lobster Tig Team. Any other suggestions? Are On-One Inbred's really stiff and uncomfortable?