My wife calls them Money Pits.
I call them Surly (Surly Pacer), Cilo (Lugged steel Cilo), Anna (Kona Fire Mountain for hauling Bob Trailer), and Zoomy (Alum Scattante R-550).
They are definitely all girls. I don't look under the saddle, it's just politely assumed.
-Marcus
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Non semper erit aestas.