Let’s take a look at a few things: Without insurance it will cost you roughly $16,000 (possibly more) to surgically repair a broken wrist. A broken wrist which could result from riding a bike that wasn’t assembled correctly. This is a mechanical failure that can lead to a crash.
Now, you want to start mountain biking, just for example. You see that Fatbikes are taking hold and you think it would be fun to have one. You go to a bike shop and find that an entry level Fatboy from Specialized is $1400. Whoa! That’s a ton of money.
Then you visit Walmart and find that they have a Mongoose fatbike called the Dolomite. It’s on sale online for $207.53.
Thinking about this, “oh, it’s just a bike” runs through your mind and you fail to see the implications of “just a bike.” You buy their bike. On your first test-ride around the neighborhood you realize it doesn’t shift through its meagre 7 gears like you think it ought to. With a thump you hit a curb and the handlebars spin to a 90 degree angle from the forward direction they should face. As you tumble slowly over the bars into the grass next to the curb the handlebar pokes your abdomen causing a painful charlie-horse. You sprain your wrist breaking the fall.
But you’re fine. It’s at this point that you realize this bike wasn’t assembled correctly. In the bike shop we see these bikes all the time. While they fit a budget quite nicely they come with absolutely no guarantee of quality or proper assembly. In fact, we see them improperly assembled all the time. Forks on backwards, bolts left loose, bottom brackets loose, and pedals mounted half-heartedly.
Aside from this, we see the cheapest use of materials possible. The fork dropouts (basically responsible for holding your front wheel in the frame) aren’t substantial enough to take the mildest abuse from trail riding.
Bikes like the Fatboy are 1. assembled correctly at your local bike shop and 2. are built with quality parts and materials. I don’t care if you’re a Specialized brand hater, that’s beside the point. The fact is, if you injure yourself on a bike that comes from a shop, it’s usually a result of the way you’re riding. It’s typical for a beginner to crash in mild situations. It happens to experienced riders all the time. But you’re not crashing as a result of improper bicycle assembly or use of poor materials.
Would it have been worth paying $1400 to have a bike that shifts correctly, was safe to ride, and has the guarantee of a local shop? You can judge for yourself. $16,000 for a broke wrist? You could buy 14 really great and well built bikes for that price.