If cyclocross bikes were _just_ as fast as road bikes, you'd see 'cross geometry and clearances at USCF and UCI road races. Since you don't, there is a reason, or rather, a host of reasons. That being said, a 'cross bike is in my opinion the best all around bicycle that can be had and certainly will not contribute to your being dropped unless you're racing or on "A+" club rides. Define "inexpensive" as it applies to you and we'll all recommend away. First off, since you asked for steel, Jamis Nova, Soma Double-Cross build (I will refrain from droning on about my build recommendations yet), Lemond Poprad.