Don't smoke, Mike.
Join Date: Oct 2006
Bikes: Devinci Tosca, IRO Rob Roy
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Cable routing is just preference, both setups have pros and cons but at the end of the day work well.
Lots of cx bikes have rack/fender attachments, at least if you only need a rear rack.
Lemond Poprad, Planet X Uncle John, Jamis Nova, Surly Cross-Check ... there are four off the top of my head that I've dealt with this year and would be happy with (they should all come out under budget ... the Uncle John is a frame set you could spec your own parts on, Surly can be a complete or a f/s).