I just want to replace my good old 50€ used Peugeot City Bike, that has served me well for the past year, but has some problems (like ribbed Steel Rims) that are hard to overcome.

I want something that is very low maintenance, can be ridden in winter and in rain without needing much oil on the chain and brake maintenance. The brakes need to be very good, for fast but controlled city riding ...

I would include fenders, lightning, a luggage rack, the usual accessories. For shifting i am thinking about an internal hub.

I am still unsure which brakes i should choose. There are some low maintenance roller brakes, but how is their braking power? Should I keep using rim brakes despite their lower performance in winter? I guess disk brakes are not appropriate for low maintenance...

I am also not sure about staying with the good old chain (encased, so it is protected from dirt) or if i should switch to belt drive. Is the belt drive really worth the extra money, or is it just a marketing fad?

My Peugeot had drop bars, but I guess I will drop them for standard city bike bars.

So question is: What should a bike that is to be bought for shopping and riding in the city consist of? Anything I have forgotten or not considered?