Sounds like something like a Lynskey Sportive Disc would fit the bill, but break the bank. I plan on giving myself one after I put an end to my post graduation job search. Personally I think the comfort of a carbon fork on long rides is worth not having a front rack.
https://www.lynskeyperformance.com/s...sc-models.html

Complete bikes are definitely cheaper, but I'm not sure if there are a lot out there matching your frame requirements. If you have very specific components in mind, you can put together a list and price it out online, then see what your local shop would charge. Another LBS benefit to consider are warranty exchanges, some shops will even swap a part out of their inventory to minimize down time.

A guy I ride with isn't very particular about components so he buys used non-current models online, whatever he can get cheap.