One of my Facebook contacts is a 70something year young street photographer in the Netherlands and, naturally, he posts lots of photos of folks on bicycles. And every photo matches exactly what the OP describes. Well, with one exception: you omitted the ubiquitous sweetheart rear rack. They put serious racks on their bikes. If there's anything cuter than young couples in Holland riding the same bike, I'd need an insulin injection.

And almost everyone looks fit, young to old. I've viewed hundreds, possibly thousands, of this photographer's street snaps over the past 10 or so years, and I just don't see the rampant obesity that has become the norm even among young folks in the U.S.

And, yup, the young Dutch folks do appear to wear mostly form fitting (or nearly so) clothing, and look damned good in 'em. Skinny jeans, but not the hipster cliche, and gals in tall boots and heels. There's no sign of cycling apparel or accessories. And the bikes are uniformly functional and sensible for the relatively flat terrain.