I've got a 3-speed Velorbis Churchill Balloon, with some changes. I bought it without a headlight or dyno hub, that lowered the cost quite a bit. It's in great shape, but the fenders have taken a few scratches since I bought it (the perils of small apartments.) Also, the Schwalbe balloon tires that it came with have almost no clearance to the stays, so after a couple miles there was rubbing. The…