If you're not too concerned about weight, you could always find yourself an old rigid mtb and throw some drops and slicks on that for all the fender/rack friendliness with the ability to go offroad. Going that old though means going canti-brakes, unless you spring for a new fork too to get disk tabs up front. Lots of versatility and less harshness if you find good old steel, but it'll probably ride like a tank (mine sure does) and I'm not sure that's what you want on the hills of your fair city.