I'd wager that most people shopping in this category of bike will be happy with what is spec'd. Give us a basic set of fenders, rack, lights, etc. and most will be happy with what they get. A few will want to upgrade to specific brands. Let them do it. If a bike is made for city/urban/utility let's spec it that way instead of making everyone guess their way to what they need. These items aren't on there because the bike company is trying to make some arbitrary price point for a certain drive train spec instead of making a bike that is useful out of the box.