Suggestions for a commuter bike with 20 inch wheels and suspension?
Dahon mid range folders, and a lot of cheaper chinese clones, usually come with full guards. e.g. this: https://dahon.com/bikes/mariner-d8-2/
The steel frames are only a teensy bit heavier than aluminium, and last better - I have had both - steel would actually be my preference from Dahon.

If you are happy with 20" steering, then go folding - it's totally awesome, and sociable, to be able to fold your bike up, and easily throw it in the back of someones car for a ride home.

I am happy with the Suntour seatpost, much better than the tubular type. not sure if you can get it to match the long fat seatpost of a folder though. (needs very regular oiling, and oiling before first use).

Can't help with the mini ape hangers though.