I really wouldnt want to ride mine on gravel roads. I have a gravel driveway about 1/2 mile then an other tar and chip road out to the pavement. The bike dosnt do bad on that but it is heavy and for me a heavy bike isnt what you want for gravel only roads.
As far as using it to run all my errands and pick up some groceries its great. with a backrest and the trunk rack I dont just stop for one or two items. I actually get my groceries and bring them home.