Sure thing.
1) I have mid-range USB rechargeable lights: Headlight. Tail light. I will say that the headlight doesn't fit perfectly on the L Train's bars due to the bend in them. But it's plenty bright and lasts a long time. I had it on my old bike and just kept it. I also added Priority full fenders and front basket to make it more useful to me as a commuter. Both were tedious to install (like most fenders and some baskets) but are very solid and haven't given me any issues so far. Here's a link to a picture I posted the first day I rode it to work.
2) I don't need any more gears. The seven are plenty for my rides in Chicago. If I lived in San Fran or Seattle, I'd probably want more lol. In my mind, a parking garage ramp is pretty steep, I wouldn't want to regularly climb hills like that with this bike. I know some people do though, more power to them. I can easily maintain speed while going up overpasses around here though.
3) What I meant by 'spinning out' is that I could pedal faster than the bike was going. Basically, I couldn't speed up anymore, even in 7th. Again, that's only done the one grade on my commute and at that point, I'd guess that I'm probably going about 25-27 mph. No need to go any faster in my mind. On flat ground, I'm not strong enough to maintain top speed in 7th gear for long at all. I usually max out in 5th while commuting through the city.