I know this is a bit different than what you were probably considering, but how about getting an old Raleigh International? Mine meets your requirements exactly...it'll take 28s easily (that's what I use), a rear rack and even fenders. Change the rear gearing, or maybe just update the whole drive train, but the frame is probably exactly what you're looking for. It's a pretty light frame, I doubt a whole lot heavier than a gunnar, if at all.

I have a Ti bike (a Merlin) and I LOVE it...not worrying about rust or scratches during lock up is a great and liberating feeling. Someday I'm going to have either Tom Kellog or Bilenky build me a titanium frame that matches my Raleigh Int's geometry.

On the CF question...I will probably be ostracized from my C and V home, but I love carbon forks from a comfort perspective. They feel TERRIFIC! The down side is carbon failing scares me (I'm not trying to start a debate on this, it just scares me and that's my right). I feel like steel is a longer term, more secure option.

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