I hope your PF7 is working out for your commuting. Can you and have you fitted full length fenders front & rear and a rear rackhey Larry, how are you liking your PF7? I recently got one too--and was deciding among the xm700+ and other options. Like you I went with the PF7 since I'm a mountain biker. Even though this bike will be used for commuting I felt way more comfortable on it vs. the commuter style bike.
BTW, for the U-lock you could consider going to a rack and pannier setup. That's what I'll be doing since I needed the rack for commuting.