Hey there WO513!

Whew! You scared me there for a moment!

Anyway back to your commuter bike....

I was going to suggest these two:

www.jamisbikes.com/usa/thebikes/road/satellite/12_satellitecomp.html
Jamis Satellite Comp ~ $1000 * This bike is fender and rack compatible


www.trekbikes.com/us/en/bikes/road/cyclocross/steel_cross/lane/
Trek Lane (CX) ~ $1000 * This bike is fender and rack compatible

http://surlybikes.com/bikes/cross_check
Surly Cross Check ~ $1000 * This bike is fender and rack compatible

- Slim