you can put saddle bags on nearly any bike with moderately long chainstays but the important issue, besides your budget, is how much do you see yourself carrying and over what kind of terrain? The Cross Trail fits that description as do many, many other bikes. Where some bikes might work and others not work could be if you're especially heavy thinking of carrying lots of weight.

If you want to get the most for your money check out REIs sale, if you're a member Novara bikes are 20%off and a membership only costs $20. I'm not a fan of cheap bikes with shocks so if you are looking for a lot of bang for your buck there's this bike with lots of money left over for racks/bags.

http://www.rei.com/product/791144#

If you want to look like a hobo get any cheap mtn. bike and tie a hand truck or grocery cart to it. Otherwise a Worksman Bicycle with big Wald baskets would work.
http://worksmancycles.com/shopsite_s.../indbikes.html