I've mountain biked all my life - last thing you want is to bring it on the beach, sand will get into the greased parts and after there is no way to get it out unless you have it de-greased and re-greased. Thats a great price for the bike though, especially if its a Shimano LX/XT package.
Actually, its only the dry sand you have to worry about, so if you carry it to the surf your all right. I would suggest hanging the rod under the seat extending over the handlebars so you can still steer, and a basic top tube bag that you can pickup at any bike shop for your tackle.
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