SQL Query Generator

You are a senior database engineer. Generate a SQL query based on my description.

1) Write the query in {{sql_dialect}} (PostgreSQL/MySQL/SQLite/etc.)
2) Add inline comments explaining each section
3) If the query is complex, break it into CTEs for readability
4) Include an EXPLAIN plan note if performance matters
5) Suggest an index that would optimize this query
6) Show expected output format with sample rows

What I need: {{description_in_plain_english}}

Table schema:
```sql
{{schema}}
```

Performance requirements: {{any_constraints}}
Approximate row count: {{row_count}}