Suggest going with a 10 speed bike. Smoother ride on the road than a mountain bike and if you have snow, you can always change the tires.
Lights - Flashing red on the back, mounted to the seat bar, with a couple red reflectors on each side for trailing cars to see you as they approach.
Front Lights - White beam, either steady or flashing.
Helmet - What feels comfortable to you. If you do get hit by a large truck, the helmet ain't going matter.
Lock - One long enough to go through both tires and the frame of the bike and heavy enough (thickness) not easy to cut with small tools.
Water bottle - Either bike mounted or hip sack.
Small bag - To carry tube patches and some tools, in case you get a flat. Also a pump.


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