I went for the Cobra for the lower gearing and I'm glad I did as I have trouble with hills and have now gone even lower by changing the 22T for a 20T, the other reason was the rear brake.
I first bought it for off road use, but found it so nice to ride it has become my favourite and hardly use the bike now.
I've changed the tyres the to Schwalbe Big Apple for a smooth fast ride pumped up to 60-70, I bought the racks from them too they will say it will only take a front pannier, but I have full size 46L ones and they are fine.