[caranti]

I ride a Tern Link D8. It has 20" rims, usable gears, and a pannier rack. It rides really well for a folding bike and is half decent for transporting a couple of bags of stuff around. Most of the running gear is off-the-shelf Shimano which helps when sourcing spares.

The trade-off is that it's quite big when it's folded and fairly awkward to carry. Unlike some folding bikes, it doesn't wheel when it's folded up so you have to lug around a fairly awkward metal lump when you're not riding it. And it rarely fits under seats on public transport - it can be quite awkward in places.

I've also found it fairly tricky to lock. The narrow gaps between the spokes and the very small triangle in the frame make it hard to pass a serious lock through; I constantly worry about wrecking spokes when I try to lock it up. It lives indoors most of the time so it's not a serious drawback for me but might be something to think about based on your needs.

Overall I've been happy with the good riding, luggage options, and replacement parts story. A good option if the drawbacks don't really hold you back in your day-to-day usage.