@zzThom That's right, T50 is offered as a frameset.
I don't envy Cruzbike (the company) the hard choices they have to make but one of those choices for the last several years is to offer the T50 as the least expensive entry level and to have it doubling as the tinkerers's choice as a frameset option that can be customized as much or little as you want.
It is highly adaptable in stock configuration but we are actually lucky that Cruzbike is able to provide 4 full excellent models as a small company. Most companies focus on only one part of this huge range:
T50: entry level, lowest (of Cruzbike) engineering design, lowest spec, easy to learn, lowest cost, cruising around town to commuting uses. Kind of like a quality, entry level mountain, hybrid, or cruiser bike.
Q45: fits that middle ground between the entry level T50 and the high end S40 and V20. It is a balance and fills the niche for commuter, packable airline touring, most rough road capable, and most comfortable with rear suspension. And has received the front triangle design of the faster siblings at significantly lower cost.
Highly developed and engineered frame and front triangle design:
S40: road, loaded touring, fast commuter
V20: no holds barred road, time trial, racing bike
I too would like a Q45 frameset but am glad it is available rather than not available at all. It is a significant upgrade over the T50 and has many advantages. Maybe someday when Cruzbike is as big as Trek, Specialized, Giant, et al. then we will have more options. For now this amazing family has 4 distinct models offered with some as frameset and some as complete.
We are a long ways from the early days of making kits with mountain bikes, Sofrider, then welded Silvio with boom, then "foldable" Quest, then hydroformed frames, disc brakes, kickstarter T50 simplicity, improved bottom bracket without so many restrictions, racing boom handed down to Q45, gravel inspired components simplification for the masses. It makes me wonder with anticipation, what is just over the horizon for Cruzbike?