Look at the XRL Cyclocross Frame from performance bike. This is what I built up for our dirt roads & poor weather. Frame fork & headset for under $300. It has mounting points for racks etc. I've been happy with it. It doesn't carry the "wow" factor of a $4000k race bike. As a commuter it will work perfectly. & you could build it up any way you like. I built mine with campy record road components, cantilever brakes & a flat black spray paint job. It's a great frame for the price.