What is your budget? If you are seeking to buy new, one bike that may be a good place to start is the Torker Graduate. It comes equipped with fenders and a 5 speed IGH and is available in a variety of sizes for around $500 USD. All you would need to add is a chain guard, front basket, and rear rack with panniers.

Of course, if your budget is a little tighter I would go with the others' suggestion of finding a local bike co-op to build up a usable bike for a reasonable price. Good luck!

Cheer
lverhagen