I’ve got the swap-out version.
Great for my back lane/bridleway/pot-holed farm track 25mile each way commute. Tough as old boots, not “steal me” flashy, nice to ride.
Got rack and panniers, and mudguards and disc brakes. A bit of creative bending of the mudguard stays to go round the disc calipers was easy enough (NB fitting mudguards is a faff in it’s own right! Not just on the Kaff, on all bikes)
I have 35mm Schwalbe Marathon (almost) puncture proof tyres fitted, it’s a bit tight on the rear so I had to cut the guard down a bit, it’s fine with 28mm tyres though, but I don’t hold back on my fully laden commute and the 28mm road tyres I tried weren’t tough enough. So if you want to use big tyres and guards a CX frame like the Uncle John might be better.
It’s a bit weighty, but that is down to tyres and panniers etc, but has proved solid and reliable, and pleasant to ride. And a bargain really.