The fenders and the rack are accessories, generally, but they are discounted at point of sale, 10%.

the LBS here, when a new bike is purchased, installs them too.

there are lower price point bikes , most brands have a range of models for various budgets..

Drop by your LBS and ask.

the Torker 3 speed, bar end shifter is interesting .. Looks Good/ reasonable.. S-A3 speed

you can always spring for a Shimano Alfine 8 0r 11 speed hub later..

and a Versa Brifter, from the UK, to shift it.