Hi all, I'm thinking about a more commuter specific bike, and I have some questions. I think these have been addressed seperately in various threads, but it would be nice to recap them all, especially for my specific needs.

I have a bit of a long commute, 35 mi / 56 km round-trip. So efficiency matters. Right now I'm using a mountain bike with slicks, and I make acceptable speed on it, but the fine touches are lacking. My question is, if I put down $700 for a "real" commuter bike, are the "fine touches" going to suck away lots of speed? If so, I'm not sure I want them.

Let's take the Breezer Villager as an example:

1. How much speed will the dynamo lights suck away? If I would normally cruise at 15 MPH, what could I expect? 13 - 14 MPH?

2. How much speed will fenders suck away, given a no-fender speed of 15 MPH?

3. Is the Shimano Nexus internally geared hub as efficient as derailleurs? If not, how much power loss is anticipated? I live in a climate without snow and ice, no road salt. So are there compelling reasons at all for me to select an internally geared hub?

Thanks for all of your help. I know that some of these questions have been asked many times, but a new summary may be useful to have.