The reward money just seems so odd to me. If there's anyone out there who could provide information on SM's safe return at this point in time, they would move to the front of the line in terms of a POI, IMO. It's a dead end, a diversion.
In terms of the bike. The nephew infers there was specific damage to the bike but no one has clarified any information regarding the condition of the bike. Damage from what? A wipe out on a trail? Bent wheel? Broken spokes? A collision with a vehicle? Bent frame? Blood evidence? Paint transfer? LE hasn't even really identified where the bike was found, in what condition, and whether it was visible to a casual observer or whether it was discovered by the initial individuals who searched for SM based on the premise she went biking, perhaps on some trail.
So we don't really know what's going on with the bike, whether it played an instrumental role in SM's disappearance or whether it was just a diversion.
We don't know what the 'personal' item was. When I think of serious bike riders I tend to classify items they take with them as either personal or equipment. A helmet would be equipment, a lone shoe would be a personal item. Her Camelback would be equipment, a phone would be a personal item.
Suzanne battled a deadly illness, twice, which means she was strong, mentally, physically, and spiritually so she wasn't a stupid woman. If she endured all the things that entail cancer treatment she wouldn't be cavalier when it came to her safety. She would wear a helmet for safety, she would take a Camelback for hydration and she would be circumspect enough to take a phone with her when she went biking, especially since she was home alone, presumably. So to me the whole bike thing is a diversion.
We have no idea how long SM was alone in the house after her girls went on a camping trip. She may have been gone days before the alert went out. We don't know. And no-one's clarifying that information for us. Not the family nor LE.
In Indiana signing a diversion agreement when charged with an offense means you don't get a conviction on your record if you are a first offender. You do community service or some other type of activity within a time frame and you have your record expunged. You can move anywhere with a clean slate.
Indiana and Colorado divorce laws regarding community property are very similar but there are provisos that could alter what the traditional breadwinner could be entitled to in Colorado.
https://www.hg.org/divorce-law-colorado.html
https://www.hg.org/divorce-law-indiana.html
My speculation here, but I don't think what happened to SM happened in a vacuum. There is someone out there who suspects something or someone but will remain quiet because to voice a suspicion means suspicion will be cast upon them. MOO