I think the 'completeness' of bikes over here is due to the infrastructure created just for bikes. Biking is not necessarily something you do for fun, it's basic transportation. I'll take the bike rather than the car if the weather is good. When I first moved here biking was more for fun. Now that I've lived here for 20 years, it's still for fun but also basic transportation. I've biked to jobs wearing a tux (if the weather was good and the distance not too far).

Racing bikes over here though wouldn't come with lights or even a bell, but you wouldn't expect them to considering their use and the weight issue.