My lycra wearing status was confirmed in my own head when I read that as a challenge. LOL. 25 years of high level racing has made me annoyingly competitive.I'll never be as fast as some of those lycra monkeys bombing down the trail, not if I only rode light and fast, but I can go as long or longer than most of them without blinking an eye.
At any rate, yes, the fatbike with different wheel sets is a great way to go. I love my Mukluk carbon for that reason.