Thanks for the input everyone.

I think the 5 speed hub sounds good as I'm leaning towards the simplicity of no derailleur. I don't see 5 speed options out there though, especially on an Electra. Again, I'm mostly riding flat and paved, not much distance on my cruiser, I have another bike for that but do think some more gears may help over my single speed cruiser at times if I'm not giving up reliability and simplicity too much.