Raleigh One-way: Has all the things discussed - plenty of room for big tires, mounts for fenders & racks, steel, etc.

Bought mine without fenders & tires, added: one-on mungo bars, Brooks B17, MKS track pedals & metal toe clips, little Nitto M12 front rack, armadillo 700x23. Love it - ride it everywhere - like cutting through butter. I got the raleigh because of the lugged fork & black paint - but mostly because I have a bunch of 40 year old Raleigh 3speeds.

Am thinking about adding another chainwheel in place of the chainguard and a white industries double freewheel sprocket for a fire trail off-road set-up - quickbeam clone! Then it'd be a 3 speed!

You should check it out. Really, really nice bike for all seasons.