Good list. I think safety is likely number one for the majority of people, the others vary in priority from person to person.

As to a bike fit for the purpose I'm thinking more along the lines of having a full chaincase and fenders so they don't have to worry about grease/gook getting on them, having an easy way to carry stuff, and something that is comfortable in normal clothes (e.g., upright, not leaning forward). Using myself as an example, I typically wear nice jeans, leather belt, oxford or mock turtle, maybe a sweater, Sperry or better shoes, maybe a sport coat or heavier depending on weather. I can easily ride any of our Dutch bikes like this very comfortably. Riding a hybrid, mountain, or road bike in these is much more difficult (roll up pants legs, ideally put on some kind of gator to reduce grease problems), and leaning over much at all in jeans with a leather belt is not overly comfortable for many people and you'll sweat more.