If you are riding every day in all weather, disk or drum brakes are good because the rims don't wear and you don't have the hassle of continually replacing brake pads. However:

No fenders. No lights or generator. No chainguard. If anyone sold a "commuter car" with no lights, fenders, or windshield wipers (although with brackets to mount them) it would be seen as a joke. If I pay a grand or two for a bike, I want it to be ready to ride to work.

Paul