If you want CF with cargo without spending a gajillion dollars, get an Electra with an xtracycle. I have one and adore it.

I think a bike/trailer combo is more flexible and usually a better option.

I'm sorry, but I really gotta disagree. Trailers are good for extremely bulky items, but for 80%+ of what one might want to carry on a bike -- groceries, luggage to the airport, an occasional passenger, garage sale finds -- the xtra does it just as well. The only thing the xtra does poorly is pizza/sushi.