To add to my post, here are some variations on what are usually called "cyclocross":

Bianchi Volpe -- rack mounts, including pannier bosses on the fork, decent steel frame (it's what my '07 Valle will look like besides not having a dynohub). But, it's got canti brakes like most cross bikes, and routes the cables on top of the top tube to keep them out of the way when carrying on your shoulder (and even has a flattened section for comfort under the top tube near the seat tube):
http://www.bianchiusa.com/bikes/gran-fondo/volpe/

Cannondale SuperX; full carbon, might as well be a road bike if it weren't for its tire clearance and canti brakes. No rack or fender mounts of any kind. Would be plenty of fun to ride, but I'd rather carry stuff on the bike instead of on my back (which might still be possible with an Axiom or Tubus rack, but that's beside the point )
http://www.cannondale.com/usa/usaeng...ERX-SRAM-Rival

There are plenty of bikes that bridge the gap between these, but they kinda represent the ends of the "cyclocross" spectrum.