I’m a utility bike fan and I agree with the people here recommending a Raleigh 3-speed or a 70s era Schwinn with an upright riding position. A Schwinn would probably be easier to find in a larger size and they were equipped with fenders when new. Alloy wheels are recommended since braking will be better in the wet.
See if there is a bike co-op near you. They may have bikes for sale at a reasonable price and if you’re not handy doing your own maintenance they can help with that too.