Do a search for 'Jamis Commuter review' . The reviews I read on that series make it sound good. As for the fenders, if the fenders curl around the tire laterally for just a little and are wider than the tire just a little, they'll work.
I like derailers also, not only for the wider gear range but also if I have to fix a flat it's less hassle removing the wheel and no hassle lining things up. I understand that IGHs are supposed to be better for riding in ice and snow, but I don't do that, that's what cars are for. I have a 24 speed set up and while I use only 2 gears mostly around town when I go for a day long ride, I use them all.