The Breezer Villager bikes have weight and stiffness where you need flexibility for a comfy ride, and they flex where you need stiffness for efficient power transfer to the back wheel. A normal dynamo will feel like cycling up a constant 2 or 3% grade. The expensive dyno hubs have no noticable drag and have a good light output. If you are commuting on lit streets I would recommend 4 AA battery LED lights (2 or 3) like the Cateye. Fenders will have no noticable impact on speed