If she lives in a flat area like Iowa or Florida she's not going to need very many gears, and in fact it might just be frustrating for her to have them. If flat, 3-7 gears should be plenty.
A 3 mile commute is not very long, so it's important to get her a simple bike she LIKES and feels she can control, with the idea that she might want something more 'intimidating' later if she takes to biking. She can always sell her first bike.
I agree that if the bike comes with big honkin' knobby tires, have them switched to lighter tires as a condition of sale. She's not going to be barreling down any mountain trails any time soon, and it'll be hard enough for her as it is to push along until she's in better shape. On a smooth paved road, knobbies won't give her any more traction than smooth light tires...in fact maybe even less. You might want to put Kevlar/flat resistant tires on her bike though, to give her a better chance of not getting a flat.
Yes she needs a more upright bike- a hybrid or a touring type bike would be good. Comfort bikes are 'ok' if they are not too heavy. And watch out for big puffy foam saddles- they can be very painful! Beginners tend to like straight bars with clearly numbered shifting on the handlegrips. No harm in this for 3 mile commutes.
You might want to get her to read this or print it out for her to read:
http://bicyclesafe.com/



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