Not sure why you want such a bike for 2-3 miles of urban riding. Why do you need 24+ gears?

I think 26" wheels are good for city riding--you're close to the ground and it's easier to put your foot down. I'd look at a Breezer or the like (electra Amsterdam and others). Or get a cruiser bike. Or a used one. Theft rates are high and you're buying too much bike, imo, for such riding.