If you can, take a look at the Breezer Citizen or Villager step through frame bikes. They may be a bit higher priced than you mention but they come complete with generator lights, rack, kickstand and chainguard. The Villager is a 7 speed geared hub and the Citizen is a 3 speed version.

You do not list your state but there are a number of Colorado dealers listed on the Breezer web site.

http://www.breezerbikes.com/bikes.cfm

I have no association with Breezer or a dealer for them.

Basically full european style commuter bikes that are fullly equipped. Lightweight aluminum frames so they are not nearly as heavy as the older steel Dutch bikes though.