I have an old 1990's (1996 maybe?) Specialized Globe 7 that is a steel "city bike" with a Shimano internal nexus hub (7 speed). It came with fenders, chain guard, rear rack, wheel lock, dynamo-powered front and rear lighting and a loud bell. If you can find one of these old tanks you may have solved your challenge. Been considering fixing mine up with some modern components, and may still do so.
http://www.bikepedia.com/quickbike/B...be+7&Type=bike