Okay so I have a steel hardtail with 2 previous owners. It is a Zion 660. I am unaware as to what the first owner did to the bike but the second said he used it as a commuter and had to get it repainted due to the first owners lack of care. I noticed the other day that it is chipping a lot and while I was pulling of an old sticker I didn't want on anymore, more paint peeled off. What surprised me was that there was rust underneath where I had just pulled of. I opened up my BB and found surface rust inside there. So now I am to the point if I should take care of the rust and get it powdercoated($125) or switch frames to the Sette Reken ($120) which has great reviews. Advice needed.