I'd like to have a winter bike primarily for commuting. Riding on paved roads. I live in Northern California so winter means rain and wet. Here's a list of what I'm looking for

- Price: under $1000
- Disc brakes
- No front (or rear) suspension
- Flat bar or drop bars
- Minimum 28mm tires, but 37mm might feel too clunky
- Must have fender mounts
- Slight preference for road gearing rather to mtb gearing
- Open to hybrid, cyclocross, road bikes
- Open to both steel and aluminum, but under 30 lbs

I'm not convinced that IGH is good/bad. CL in this area doesn't seem to have many bikes that meet the disc brake requirement.

I've been reading through the forum, but haven't see a lot of recommendations in this price range. I really like my road bike, but I don't want to ride it in wet weather.

Thanks!