My commuter is a 3-speed. I have a short commute, and it is relatively flat save for one small (but steep) hill on the way back. I've never had a single problem.

I've got one of these: http://www.bikesdirect.com/products/...ord_deluxe.htm

I've made several mods (quill, stem, bars, etc), but I would have done that with any traditional 3-speed. For me, it was a great value and rides smoothly and quietly. I'm no expert on gearing, but I think that you will be able to find a balance with a 3-speed that meets your needs.