For the first time in 11 years, I've bought a new bike, as I needed a new folding bike. For years, I've been using a heavily modified original Bickerton with a proper stem & bars plus an 8 speed rear wheel, which was great around town but not so good for carrying easily removable luggage for train operated touring, which I'll be doing soon.
I drew up a list of requirements and narrowed it down to a Tern Verge after doing some test rides. I couldn't get the X11 version as no bike shops have it in stock, so made do with the P10.
https://www.ternbicycles.com/uk/bikes/472/verge-p10The official Tern Cargo rack is also completely out of stock, but I've bought a Topeak rack which is very similar, which uses their MTX locking system for bags and has a lower rail for panniers.
The bike is lovely - very comfortable to handle, light and having hydraulic brakes stops instantly.