Raleigh Tripper as it sits against my office wall
-Topeak Super Tourist Rack
-Plastic fenders

A little spinny for my taste with a 39x20 ratio but I plan to experiment with some smaller cogs soon. I have experience with 3-speeds and find them to be adequate for areas which aren't too hilly, provided you get the gear ratio "just right". I also have plans to switch to drop bars, but I'm giving the narrow flat bars a chance.