I did that last summer. That is use the 20% on a Novara bike. Seems like a pretty decent bike and I like the sexiness of the 29' wheels. "They" say the frame is a little heavy but it's fine by me. If I biked a whole lot more then I did it might be a problem, but not so far.

Josh was still kicking my arse last year on his old bike missing gears, but I figure he trains on his stationary at home for just such occasions.