I prefer a hub. I've had my current bike for 6 years and have never had a problem with it. Works perfectly.
For a town/utility bike IGH every time, I would say o consider one for touring as well, I hav a 11 SPD hanging around to build up a camping bike ,when I get that round tuit I am waiting on, with a double chain set, I can have 22, different ratios, or at least a low range haul my self up mountains.
I ride a recumbent, its fitted with Sturmey combined hub/ delralliuer rear hub, with a single up front, I can go from high ratio to low ratio at a standstill, very important for a recumbent.