Lightweight, strong and kitted out with baskets/fenders etc seem to be a 2 of 3 situation. You can easily have any one thing, two is possible, but all three is elusive.

Personally, I'd build a bike with a step-through frame for easy mounting and dismounting, especially when loaded. I'd install 26" wheels with fat slicks and drum brakes. Drive would be an IGH, anything from 3 to 7-speed. I'd install drop handlebars at close to saddle height to be versatile and comfortable. Chainguard, fenders and a rear rack/basket would be must-haves