I’ve got a Trek District for review, you are welcome to ride it some time. I wouldn’t worry about the wheels, the rims are no doubt Velocity B43’s, very very strong, and stiff, probably too stiff for me.
Rack and fender mounts, room for 28mm tires and fenders.
My girlfriend is really into the Jamis Satellite Femme, and of course, the ubiquitous Surly Cross-Check. She’ll probably get the latter, so long as we can find an ’08 model or something (the beef gravy brown is not ok, and she is so-so on the black). It is kind of the perfect bike though.