What I really want is something with a steel frame with a belt driven IGH, disc brakes, and rack/fender friendly. The Norco Ceres is on my short list for those features. Unfortunately, it is both too expensive and the nearest LBS that carries them isn't even in my state.

That picture that you attached is the Torker Graduate with the S-A 5spd IGH, correct? The two main issues with that one is that I suspect that it would be a bit more complicated to remove the wheels for tube replacement and that there are no shops in town that will order them. Other than maybe changing out the drums for discs and adding a front dynohub, this thing would be okay for around my small town, but I am unsure how I'd like it as a commuter.