I've always admired Jamis bikes. If you feel that you can get away with a 3-speed on your commute you could do a lot worse than the Commuter 1. This is a nice entry-level IGH bike and it already comes with fenders. All you have to add is some lights and a rack. If you're willing to stretch your budget, Jamis also offers the Coda which would be more nimble than the Commuter and has far more gear range (not to mention coolness factor). The steel frame would compensate for the narrower tires by helping to soak up the bumps.