A fairly similar set of requirements led me to the Bike Friday tikit a few years ago and I've been happy with the choice.

Key points that defeated other options:
* Fit... the one-size-fits-all approach taken by other folding bicycle companies made their products feel too compact seat-to-stem for me
* Fit... Bike Friday's fold isn't the most compact, but it preserves stem and seat adjustments so unfolding doesn't equal refiddling
* Quick easy fold and it wheels around when folded: I don't carry a lock because it's always with me.

I initially bought both front and rear racks but now use only the front rack -- works fine with my Ortlieb Front Rollers and the handling characteristics are amazingly good even with a 50kg load (!). I have flat bars with Ergon bar ends to provide some reach but you can get drops. It's been my only bike and I've done up to 150km day rides on it (it's not the fastest, but with a bike that fits me this is doable). Also makes the 2 km grocery runs and comes into stores with me. Plus daily commute to an office job (through a revolving door and up an elevator) and some trips by train and bus. All good.

Good luck with the search and choice.