When I was looking for a new bike I decided on a Trek X01 cyclocross bike. It allows me to but racks and panniers on it. I haven't tried mounting fenders, but the braze-ons are there. Great all around bike, most of the time I leave the cyclocross tires on it for riding locally and on rails-to-trails. When I'm going to do any long road ride, I switch tires.

One thing on the Trek, I did upgrade the shifters as I was having alot of trouble getting it to shift into the small ring. That's the only problem I've had with the bike. From my point of view, you can't go wrong with a cyclocross.