I ride an Achielle Craighton Oma that I had shipped to me from A Street Bike Named Desire, a bike shop in Palo Alto, CA. Here's the link: Achielle Craighton Oma - A Street Bike Named Desire. It hits all of your requirements except the coat guard, which you could add. I ride in dresses and skirts a lot and have not found that I need to add the guard. This bike shop also has some other models that might work for you. Good luck.