I just setup my GF's bike as a utility/errand bike. I went with removable grocery panniers and a quick release front basket. The bags/basket are nice because they hold quite a lot [as much as she would want to cycle with], but they come off easily if she wants to take them into the store or ride a naked bike.



I realize it's not exactly what you were after, but thought it might provide some inspiration and/or help other folks looking for a functionally similar bike setup.