A big concern for a lot of people is the worry of subjecting their nice bike to the harsh realities of winter riding. Although most bikes are able to deal with these conditions, it's quite inexpensive to purpose-build a utility bike that requires almost no maintenance and is easy on the pocket book.
Typical hybrid from the 90's available from any bike co-op or local free advertising spots like Craig's List etc.
See how secure I am with my manhood?, I can ride a bike with a basket and not feel like a tool.
Basket rack for extra support hauling those heavy bulky items.
Easy spinning single speed drivetrain to keep things simple. Keeping the chain clean and lubed is all the maintenence the drivetrain requires.
Well made shopping bag panniers add loads of carrying capacity. They are just the right size to be able to slip in your reusable shopping bag.