About the internally geared hub: I rode a bike with a 3-speed internal for a while, and found that it had a lot more resistance than I would have liked, which made hills a big pain in the ass. It was an older Raleigh cruiser-style bike, so maybe the newer specialized hub is better, but test-ride it before you buy. If there's too much resistance, you may want to get a real SS or a deraileur.