both.
Any bike I ride - track or street - gets a tear down/rebuild anyway. It's my butt on the line, I want to KNOW what I'm riding. I don't trust previous owners no matter what.
As for expense? It's going to depend on the bike.
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WMRRA's slowest Expert! 
triathalete, mom, racer, rider, friend, sister, wife - all in one tidy package!
Married my best friend 8/30/09
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