Mrleft2000, I don't think your complaints about road bikes are necessarily valid. Pretty much every touring or leisure oriented road bike has the capacity for fenders and racks front and back. It's just bikes with a serious performance setup that don't include them.

My Le Tour just gained a rack today as a matter of fact!

I've commuted on my mountain bike, and on my step-mom's hybrid, and neither is as pleasant to get around on as my Schwinn with its 25mm tires and widely spaced gearing(the freewheel is a 14/28 six speed, small ring is a 44t and the big ring is a 52t).Other than the fact that my computer mount doesn't fit as well on the Schwinn as the other bikes it is much better in all but the roughest environment.

If you live in an area with horribly decaying pavement a mountain bike with fat road tires will probably be better, but in "normal" conditions I'll take the tool designed for the job every time.