@GuitarStv at the risk of derailing OP's question, I'd love to hear your reaction / strong opinion to this episode of NotJustBikes where the rationale for Dutch commuter bikes is explained. They are designed, the producer says, "for transportation, not for sport". However, I suspect the specific environment shapes the design even more than the intended use.
So I kinda agree with a lot of the points he makes in the video.
The Dutch bike is made for comfort - if you're going short distances on flat ground and have a crippling lower back injury or are so old and enfeebled that you are incapable of bending over. I'm assuming this crippling back injury is also the reason that he indicates that it's easier to see on a bike like this - because being incapable of turning your neck or at the waist you must 100% rely on upright posture and peripheral vision. In North America you aren't typically riding short distances on flat ground, and if you have any sort of injury you aren't riding a bike to get around (exceptions made for injuries sustained while cycling in heavy traffic - in which case you can't ever stop cycling or you lose the emotional numbness necessary to navigate our fast roads designed for heavy steel coffins of doom only).
Step through frames . . . eh. Again, the crippling back injury problem drives this need. Modern compact frame design in bikes (where the top tube slopes down quite a bit) is found on nearly all bikes sold today and should largely eliminate any issue with slamming your nuts on the top tube, allowing even very short people to comfortably stand over the top tube. As far as kicking your kids in the head while mounting a bike . . . I honestly think child seats on the bike and behind the parent are much less safe. I'm saying this as a kid who was in one and once whacked his head pretty good while his dad fell over to the side at an intersection. This is not an uncommon story with this sort of kids seat. I'm more a fan of trailers pulled behind the bike. They're naturally lower and have two wheels stabilizing them. Especially while carrying my kid and a week of groceries, this is the only safe way to do it without making the frame very heavy and unwieldy that I've figured out. Might be slightly less safe if you get whacked by a car because the kid is lower, but even up high and having parent + kid going over the hood you're probably in for some bad news there.
Skirt guard and chain guard are cool. I haven't played around enough with either, but am fascinated by the chain guard in particular and wonder how it would handle the salty slush I've ridden through in the winter (it's murder on components). It would be cool to not have to tuck my right pant leg into my right sock before a bike ride when wearing loose trousers too I guess. I'm also 100% in favour of fenders if you regularly ride in wet weather. They are a godsend on any commuter bike.
Frame locks might have their place I suppose, but he mentions that even in the Netherlands they're not reliable to keep your bike from being stolen. Bike theft protection always seems to end up being "know your neighbourhood, and buy your lock/chain combo accordingly".
Hub gearing and single speed bikes - Can you scream 'I live in a place without hills' any louder? I've heard some good stuff about hub gearing especially for really bad conditions and when combined with a belt drive but they tend to be pretty expensive and offer poor gearing range. They can also make it a nightmare to change a flat (although buying proper puncture proof tires, changing them before they get fully worn, and keeping them properly inflated will largely eliminate the need for changing a flat out on the road).
Coaster brakes are garbage, and anyone recommending them can go to hell. They're straight up dangerous. They overheat quickly, and when they fail you have zero stopping ability because they're typically sold on bikes without hand brakes. The coaster brake only works on the rear wheel - which means the harder you need to stop the worse they work. They also make it hard to get a bike started, since you can't backpedal the pedal to a high position to step up and start (
https://www.sheldonbrown.com/starting.html). For very slow speeds, no traffic, and flat ground they might be adequate . . . but you could just drag your feet on the ground in that scenario to stop too. (And they're also dangerous in that you can't backpedal the pedals to the correct position if you're making a sharp turn - increasing the risk that you dig a pedal into the ground and crash. I'm guessing that the theory is since you never go faster than walking on these bikes that's not a problem? I have several very long hills on my 22 km commute to work and one has a sharp turn at the bottom. Wouldn't want to try this on one of these Dutch bikes.)
I've never seen a dynamo setup on a bike that was worth a damn. Battery powered stuff is cheap, light weight, easy, and massively brighter. Safety-wise, brighter lights are better full stop. Except if you forget to charge the batteries and then any light is better. Depends on the kind of person you are I guess.
That said, the place you ride your bike and how you ride it will determine what works for you.