The op is asking for opinions on her choices. I feel the hybrid is the best choice between those two for her goals.I'm sure people have done RAGBRAI on all sorts of bicycles. Even unicycles. That doesn't make them good solutions for what the OP wants to to.
If I was going to offer a solution to the Op that wasn't one of her choices, I would say a Rivendell Sam Hillborne has everything she would need.