I agree with TrMama; given how much you cycle, and your style of cycling (carrying stuff, commuting, which usually means in and among motorized traffic), it probably makes sense for you to get a better quality bike. Quality matters, in the frame as well as the components. Also, consider putting a rack on your bike and let the bike do the carrying -- your back will thank you. (I take the long view, having cycled for many decades.) The good news is, a really good bike doesn't need to cost you - there are plenty of $-ignorant bicycling bozos out there who replace their bikes every year or two just for the hellofit. Look on Craigslist, etc., or if you have one, use your local bike co-op. You should know enough by now to know what fits you in terms of frame size, as well as in terms of your style of riding. In fact, I've not heard much good about Bikes Direct, and I've heard a lot bad. A poor quality bike is going to fail, and you already know the dangers of that. Even if you don't have the time to replace this bike immediately, if I were you I'd change out those rims immediately. Rim failure, spoke failure, catastrophic failure. Don't go there, dude! Best of luck!