Dude: nothing personal, but I'm not gonna do your research for you. You might get better responses by picking out a bike or two and asking some questions. That said, there are some terrific 3 speeds with fully enclosed chain covers on that list. I'd pick up one of those in a heartbeat for 200 euros if they were available in the wilds of Iowa but they're not, . Those bikes are really well built tanks. The chain cover keeps the chain (and your pants) clean, they have lights, a built in lock, a classy leather saddle, and a pretty stout rack for carrying groceries or your GF to a bar. What more do you need in a bike? On 2d thought, it doesn't look like the GF comes with the bike for 200 euros but it doesn't hurt to ask.