I'm not sure it's wise to restrict yourself to bikes that have chainguards, racks, and fenders. I use my bike the way it sounds like you'll be using yours, and have never had any problem with the lack of a chainguard. I've yet to even get dirt on my pants. But having a chainguard might make it harder to clean and lube your chain, which you should do frequently. As for the rack and fenders, those are easy and inexpensive to add, and there are plenty of aftermarket options for most bikes.

I second the recommendation to try out as many bikes as you can. I hadn't ridden since my teens (around 1972) when I got my bike a couple of years ago. I was amazed at how much the technology has improved! But I quickly discovered that some bikes looked like they'd be fine, yet they just didn't feel right for various reasons.