Overcomplicate, sometimes sure. Any bike with 2 wheels and pedals will work. On my 18 mile commute, I like a bike that won't get flats, shifts well and doesn't spray water all over me when I go through a puddle. Bags and rear rack keep the weight low and off my back. I'm a fan of the right tool for the job. Lights, fenders, proper clothing all are part of the right tool. 1.5 -2 hrs in 40 F rain or 20F snow means making some good decisions before heading out the door. Tools to fix a flat, helpful as well.