Re : internal geared hubs - greater than three speed hubs been a thing for a while. Loooong (circumnavigating) bike tourists have used them for decades, apparently . 8 speed Shimano hubs are about $200 and apparently last >50k miles, with some maintenance. Here's your rabbit hole :
The Incredible $199 Internal Gear Bicycle Hub: Shimano Alfine Explained - CyclingAbout.
gearing up to 14 speeds are also available.
This guy likes lists, but Chris while you are thinking about flat bars with alternate hand options , here are some more things to think about :
Flat Bars Are Better Than Drop Bars For Most People (Objective Analysis) - CyclingAbout.
I like my drop bars for road riding but the commuter-errands-ice-snow bike has not too straight bars with MTB ends. The latter are best in rain/snow/ice . FWIW bike riding can cause increased left-thumb fatigue and joint strain with DB playing so I use monkey grip - thumb on same side of bar as fingers - when safe to do so .
The Incredible $199 Internal Gear Bicycle Hub: Shimano Alfine Explained - CyclingAbout.
gearing up to 14 speeds are also available.
This guy likes lists, but Chris while you are thinking about flat bars with alternate hand options , here are some more things to think about :
Flat Bars Are Better Than Drop Bars For Most People (Objective Analysis) - CyclingAbout.
I like my drop bars for road riding but the commuter-errands-ice-snow bike has not too straight bars with MTB ends. The latter are best in rain/snow/ice . FWIW bike riding can cause increased left-thumb fatigue and joint strain with DB playing so I use monkey grip - thumb on same side of bar as fingers - when safe to do so .