Hey, this is Paul from Origami Bicycle Company. Our Gazelle model meets most of your needs/wants. It has just been redesigned for 2017 with very nice disc brakes (very easy to modulate), and we now include a rack and fenders. The seat is really nice, and the handlebar now rotates for a tighter fold. The 28 lb. weight is just over your you goal, but it also rolls very well while folded, so you shouldn't have to carry it much.