I am glad you are so happy with the bike. It is a ton of fun to ride. Wait till the nice weather sets in! Maybe we will see you at one of the two yearly Whizzer Whiz-in conventions. I know what you are talking about with the disk brake hitting the caliper. When I was running my rear disk I did the same thing, mounted it too close to the disk. Belt tension or slack is a big deal on these CVT's. Glad you had a shorter belt to work with. I was already using the shortest belt when I discovered my slack problem so I needed to move the plate 1" farther rearward and that fixed everything. I believe you can adjust the spring in the rear pulley for the way you want it to shift for you. You can set it for hilly climbs so it will shift later and stay in higher rpm's longer, or adjust it for all flat land riding and it will shift earlier into low, or in the middle between the two. I have mine for hills as it makes the bike quicker off the line for traffic. Another thing about the CVT is if you take off quickly and hold the throttle it will stay in high until you let off on the throttle and then it will shift, kind of like a automatic transmission in a car. A front brake is a good idea. The 90mm Sturmey Archer drum is fantastic. Brakes about 90% of what a disk brake can do. You can get it with or without a dyno built in. It's cool to have lights on that don't need batteries.