There is plenty between the "Cyclocross" and "Road" descriptions you have here. For one, there are many road bikes that can accept larger tires and rack/fenders. What it seems like you're looking for is a speedy commuter/credit card tourer, so I would look into bikes like the Redline Conquest/Metro, Jamis Aurora/Bosanova, Trek 520, Kona *****-Tonk/***** Inc, or Raleigh Roper/Clubman/Port Townsend. Some of these even have discs.

For a road bike with everything, check out the Civia Bryant. It's expensive and heavy, but fairly fast and maintenance-free with IGH and discs.