You’ll probably need to provide more details about the premiums, deductibles, and out-of-pocket maximums of PPO vs HDHP, projected healthcare costs (at least your current year costs so far), and how much you are able to stomach for the cost now vs later
PPO might be better if you can stomach the premiums and hit your deductible early enough. HDHP might be better if you can stomach the higher deductible and reimburse yourself years down the line after your HSA has had some time to be invested and grow from its investments
It’s hard to say without concrete numbers and only going based off thoughts and feelings
A class 3 e-bike that weighs ~35-40lbs and looks a lot like a bike is really amazing to see. The steep price tag (~$3800) is not something I would purchase on a whim, but would consider given a few years time to save and ponder
I’d like to see this trend continue, but I do disagree with the gravel bike. It seems like gravel bikes are the crossovers of the bike world.