I took the tour today and it is absolutely worth the money! The bikes are in very good shape, the group was veeery small (aka only me and Sam, the guide), the food is good and plenty and we spent more than nine hours on and around the lake. We went through villages, different landscapes, where invited for tea and escaped the loud motor boats on the lake for a bit. Sam knows people everywhere, he explains a lot and I think he can really adapt the tour to the biking skills of his guests. Still, I think it helps if you're a secure rider, feeling confident crossing some smaller bridges etc - but absolutely not necessary to have any specific mountainbiking skills. To me, this was a perfect day around the lake, a lot more impressive and memorable than the "classic" Inle motorboat tour (that I did the day before).