Interesting replies, so far - thank you all for writing! I have a Dahon Speed D7, which has 20" diameter wheels. Far larger than 12 inch! Definitely it's important to know the racks are designed to hold down to 12 inches!! Does someone have a link to the rack type where I could find that info? Also, does anyone here work for the bus company? I'd be interested to know if there's really a picture up saying these bikes aren't allowed. The bus driver seemed honestly apologetic, and I believed him when he said that was official policy. If it turns out the racks are designed to fit my size wheels, and that sign really is up, then I want to contact someone about changing that rule. I want to start that conversation with all facts in hand, though.
I'm keeping the folder now because it fits me and it's free, as opposed to the cost in time and money of buying a new/used bike. It was super-practical in NYC, when I lived on a 5th floor walkup. After having a bike stolen that was chained up outside overnight, I kept my bike in my apartment overnight like most people in the city. But as a person with one weak shoulder, I need a bike that lets me sit upright (usually heavy, large-height bikes awkward to carry upstairs). As a small person, the only kind of bike like that which I could carry up 4 flights of stairs is a folding bike... even though it's just as heavy as other comfort bikes, the smaller size when folded makes it comfortable and safe to carry. So, for NYC a folder made it possible for me to have a bike in the city. However, since I needed to fold it there couldn't be a crate attached, so it wasn't practical for grocery shopping in NYC. Which is also kind of interesting, in NYC lots of people use rolley carts for grocery shopping and bringing laundry bags to laundromats - I only see elderly people doing that here in Pittsburgh, and I wonder why! I see a lot of people painfully lugging bags of groceries (sweating and looking unhappy) from the big grocery stores around here, and that especially makes me wonder... a rolley cart usually costs like $25, and they have them at all the drugstores in NYC. Anyways, back to the folder: I'm a big fan of practical bikes with crates, and here in Pittsburgh I don't need to fold my bike to get it in my apartment. So if I didn't have any bike right now, I would buy a full sized comfort bike.