I'd break the subject title and add a third wheel.
I'm almost there:
- Ice Sprint2 RS (20" tyres all round for easy maintenance.)
- Discs all round (for reduced maintenance - not hubs because....)
- SON dynamo in one or both front wheels (hence no hub brakes)
- B&M lighting (or maybe a pair of the daftly bright E3 lights
)
- SA3spd+9spd cassette on the rear, with a schlumpf up front.
- Full guards, and flaps; full chain tubes (even around the schlumpf - probably supported by a chainring guard)
- Full pannier
- Headrest
- Fairing optional
- Bar bag recommended
But the MOST important component would be a garage/workshop with space to store and work on the machine.
As a chain tensioner is basically required for the suspension (and anyway due to the length of the chain) I'd stick with a cheap cassette, and keep the range and static shifting through the SA/Schlumpf combination. If the SA has an easily findable neutral that would be even better
Summer on trykers, then winter on a full set of marathon winter tyres.
If I was being particularly flash I might look at an
ultra lightweight electric assist - just 50-100W or so for that little extra up hills and away from the lights.