Panda Urban
An interesting find in the search for the ultimate utility/commuting bike is the Renovo Panda Urban. With SRAM iMotion 9 speed hub gears, disc brakes and a hub dynamo it ticks the three pre-requisite boxes. The novel dimension is alluded to in the name, the frame is made of bamboo. Not seen it in real life, the photos on the website give the impression of a bike that is seriously well made.
Two thoughts put me off. The excessive import taxes which would result from importing the bike from the US and the use of a chain tensioner rather than an eccentric bottom bracket to maintain chain tension. The latter point is a small one but the simpler the chain line the easier it is keep running cleanly.
To date the Tout Terrain is looking to be the favourite.