The Townie 21 is a GREAT bike. I just got mine two weeks ago and I've ridden it every day. I just LOVE the comfort. If I have a strong headwind, I just lean forward for a while.

Don't worry about getting drop bars for "speed". Who wants to get to the next stop light faster?!

Don't worry about hills. The Townie's lowest gear will cover them just fine.

Good luck commuting!

P.S.- See this thread for insightful thoughts about slowing down:
http://www.bikeforums.net/showthread.php?t=306704