Can a Surly Karate Monkey be effectively utilized for both mountain biking and commuting, considering its slack head angle and long wheelbase, which are typically associated with stability and control on technical trails, but may also contribute to a more relaxed and stable ride on paved roads, and if so, what modifications or adjustments would be necessary to optimize its performance for each specific application, such as swapping out the tires, adjusting the gearing, or adding fenders and lights for commuting, and how would these modifications impact the bikes overall weight, handling, and durability, and are there any potential drawbacks or compromises that would need to be considered when using a single bike for both mountain and commuting duties, such as reduced maneuverability or increased maintenance requirements, and how do these trade-offs compare to using a dedicated mountain bike and a dedicated commuter bike, and are there any other bikes on the market that are specifically designed to excel in both mountain and commuting applications, and how do they compare to the Surly Karate Monkey in terms of their design, features, and performance capabilities.