I am sorry that I have not followed this thread and have only read the first page or so..
Where I live, many people ride a single-speed Atlas or Hero made in India patterned on the old (pre-WW II) British single-speed bicycle. The rims are steel and are 28".
It seems to me that if a 3-speed hub would be used in place of the s-s one, then you would have the type of bike the OP yearned for. The Indian saddles are imitation leather but are very comfortable with their rear coiled springs. Pretty cheap too - and heavy and durable. Where I live the bikes go for less than $100 US. However, in the USA there would be importer's profits, etc.
Just a thought :-)