Reddit mentions of Origin8 Classique Sport Hammered Alloy Fenders

Nice. That's a good looking color.
http://www.bikesdirect.com/products/windsor/images/kensington8_lad_ocean_2100.jpg

I'd be considering 3 color schemes:
All black, brooks, grips, pedals, marathon tires. understated, all business.
Brown or honey saddle, with natural cork grips, and skinwall or brown tires, depending how twee you want to get.
blue brooks, with odyssey galaxy or midnight blue pedals.
http://www.brooksengland.com/images/cache/shop/shop_saddles/touring___trekking/b17_standard/colors/b17_standard-royalblue_w800_h600_vamiddle_jc95.jpg

https://online2.qbp.com/6SPsvm45/prodl/PD9255.jpg

http://www.odysseybmx.com/dailyword/archivesV2/2015/01/bmx-odsy-twisted-pc-GALAXY-pedal-0011.jpg

brushed aluminum fenders would look pretty sweet, $50, be a bit little than the steel ones, and no paint chips. http://www.amazon.com/Origin8-Classique-Sport-Hammered-Fenders/dp/B007HOIKZE

Internal gear bikes are one of the easier bikes to assemble. Just have to put on the front wheel, pedals, seat, bars. Hooking up the front brake and fender is the trickiest part. If you are comfortable fixing your own flat tires, you could handle it.
Removing the rear wheel on internal gear bike is kinda a PITA. Between, unhooking the gear cable, tools for axle nuts, fenders and chainguard making getting the wheel in the frame, and chain on the sprockets trickier, it's quite a bit more involved than normal bikes. A "pro" new bike build, would take the wheels off the bike, stress the spokes, and true and tension the wheels, check to make sure hubs are lubed and adjusted properly. Most shops would probably take the easy way, leave wheel on, and just test ride the wheel to stress the spokes, and just touch up the wheel true on the bike if needed.
BD bikes always have a few cost cutting measures. Bottom bracket bearings wear out quick, seat post has stamped steel seat guts that can slip. These parts are only $20 or so, not a big deal.
They use rubber rim strips, like a big rubber band. The rim strip covers the heads of the spokes and nipples inside the rim, and protects the inner tube from the pointy spokes. A better solution is adhesive cloth rim tape. Velox is a popular brand.
Cloth rim strips and flat resistant tires is the first thing I'd do to the bike. Flats are always a pain, but particularly so with the internal gear.
If you are going to have shop assemble it, I would have them do the rimstrips and better tires at the same time. Sometimes shops will be competitive on prices for parts if you just make a list of what you need with prices.