I bought the Jamis Coda Femme bike today; it will arrive in the shop in 3 days. A very easy decision. I got some cool fenders and a rack, too. My husband got the Coda Sport, which has a little better components (his commute is longer). They gave us $50.00 off of the price of both.
I also will be riding this during the winter, when the streets are full of sand. Well, in the winter when it is above 38-40 degrees. I am a weather wimp.