seems like your commute is average enough that any bike would do-
I go against conventional wisdom on this and my commute bike (ironman) has nothing other than tiny LED lights - no racks, no fenders. but my commute includes stairs (subway style so pretty long), crowded train cars, and is relatively short - about 7 miles of road with 2 miles of that on a pretty good incline (work on Lone Mountain which gives you an idea of the ride).
fenders and racks and bags just make it heaver and unbalanced for carrying, and get caught when stacked on other bikes.. are in the way of other commuters on the train etc. the last thing i'd want is a 34 lb bike for my particular situation!