If budget is a concern - and so is customization - troll Facebook Maketplace/craigslist/ebay/Nextdoor/etc for people selling vintage 70s-90s road bikes and turn it into a single speed. Frames in good shape can be had for anywhere from $25-200 usually. Then built to suit. Almost all of the bikes I see online are for tall people, so you shouldn't have a problem lol

My main commuter is a 84' Raleigh Sportif that belonged to my Aunt - was a 10 speed, I stripped it and rebuilt it to a single. I had a rack, but took it off because aesthetically it wasn't pleasing. So I use a backpack. Here's a pic, with my rear fender attached (comes off when no rain is forecast).


My other commuter bike is a '74 Raleigh with a rear rack and a trunk bag.

If you're definitely looking to buy new - I agree that All-City makes some beautiful bikes. Surly has the Steamroller, too.