The Electra Townie 7D will appeal if you're looking for something a bit different for flattish cruising around town. At £375 you don't need a second mortgage to own one and it's good fun around town, but compromised climbing position and a tendency to ship its long chain mark it down a bit.
We first saw the Urban Cargo at Eurobike 2008 and we've wanted to try one out ever since. Now we have and it turns out to be a very comfortable and capable town machine with some nice touches. It's not all good news though: the expensive spec didn't really enthrall us and the cargo system needs a bit of work. As such it's hard to recommend the bike as tested here, the derailleur option looks a much better bet.