There are bikes in between road and touring that aren't cyclocross bikes. Many have eyelets for racks and fenders and they tend to be less expensive than either pure road or pure touring bikes.
Some examples: Cannondale Synapse Alloy, Giant Avail 1 and Avail 2, Opus Cantate and Sibelius, Trek 1.1 and 1.2, Trek Lexa, Surley Pacer, Soma ES (Extra Smooth), Jamis Quest ... and probably a lot more.
The Trek Lexa, Giant Avail, and Opus Cantate/Sibelius models are women-specific, but the geometry isn't a lot different from equivalent bikes in the men's lines - mainly shorter stems and narrower handlebars.
Some of these bikes will take tires up to 28c with fenders. These are what we used to call "sport touring". Now they are called "Adventure bikes" in North America and "Cyclo Sportive" in the U.K. and Europe.
Just thought of something: you don't say how tall you are. Smaller touring or sport touring bikes often don't come with extra water bottle eyelets because there simply isn't room. You could always get one of those back of the saddle bottle carriers that triathletes use.
Last edited by Rhodabike; 12-31-10 at 05:23 PM.