The Specialized Tricross Sport Triple is $1200.

- Cyclocross bike
- So lots of tire clearance
- No disc brakes, but
- Specifically mentions "rack and fender fittings"

It's difficult (though not impossible) to find a bike that's not a straight bar that has disc brakes. A lot of people have 2 different summer and winter biking bikes partially because of the difficulty of finding a bike that does both summer and winter riding well.