That seems like a lot of dough for that bike, and the warranty would be hard to activate. Local bike shops would probably try to gouge you on assembly if you didn't buy the bike from them. If you DO buy a bike from them, professional assembly is assumed and included. In my local shop, accessories are 20% off within six months of buying the bike.

So I think the better approach is to see what brands your local shop carries and find something similar that you can buy locally.

Many shops carry Trek, Giant and Schwinn.

I'm a big fan of 3-speeds with an upright frame; I've bought two in the last couple years. They've both had that Shimano 3 speed and it has been great. The first one was a Gary Fisher that is no longer made; it was stolen. I replaced it with my Schwinn Coffee. The ladies version is called the Cream. Check it out. I actually like this better than the Fisher, as it is more upright, cost less, better brakes too. It was only $330, ordered throught the local shop. Rack and fenders are included. It also has that timeless style that I like.

We got Giants similar to the one Slim shows above, but with front suspension and a shock in the seat post. They're nice, but the weight savings of the aluminum frame is regained in the fork, so unless you'll be riding somewhere really bumpy, I wouldn't pay extra for suspension. The tires on the coffee, plus the sprung saddle make it plenty comfy enough. Also, remember that with these upright bikes, most of the weight is on one's butt, so the suspended fork is kind of superfluous.

If you don't like the vintage look, Schwinn also has some really neat modern designs with integral racks. Take a look.

If your local shop carries Trek instead of Schwinn, check out the Belleville, with it's generator front hub and dual racks.

Don't be too impressed with included battery operated lights. Lights are not that expensive and can be picked up later.

I think you're on the right track with an internal geared hub for your kind of riding. They're much cleaner and less maintenance than external derailleurs. You're also on the right track with the chain guard; you won't have to be so careful with rolling up pant legs to keep them clean.

I think the traditional ladies frame is a good idea too. I wish they were socially acceptable for men too in the US.