If you're ok with buying a complete bike,Novara Safari will do everything you want. I have an '06 that's been my daily commuter for over 3 yrs. Plenty comfy,comes with a rear rack,mounts for front,easy fender mounting,trekking bar's just as good(better IMHO) than drops. Current larger models are 29ers and come with I think 45's. The only downside to mine was the twist shifters;after I ditched them for SRAM dual-thumb triggers it's been all love. I've seen a few '09's left at REI,should be on clearance.