I treated myself to one of these before winter set in: Save Up to 60% Off Titanium Cyclocross Bicycles | Road Bikes - Motobecane Fantom Cross Team Titanium | Cross Bikes
Takes a rack (disc version) and fenders well. Disc brakes are awesome. The bike is on a really sweet deal right now. If you can afford it and you're not opposed to a little assembly, it's a really great ride.