There are a number of brands smaller than Trek that offer bikes in the USA that come with racks and fenders, IGH, and in some cases dyno hubs and lighting. Breezer comes to mind, as well as some others. Places like Portland, Seattle, even Boston have shops that make a point of seeking them out and importing if they have to. My gut impression is that while it's not yet a big segment of the market in the US, it is growing.