The vast majority of the complete factory cyclocross bikes are designed to be more then just a race bike. You'll see fender and rack eyelets, and in some cases like the Bianchi Volpe, feature a touring triple crankset.
As for cable routing, running them in top of the TT keeps them out of the mud, but can get in the way when you do a suit case carry. Running them on the DT can get in the way when you grab that tube as part of getting the bike on your shoulder. Something to consider when choosing which to go with is how you'll attach the FD cable - the FD cable needs to come from underneath. Normal road bike routing has the FD cable come up from the BB shell, but cross bikes that run the FD cable on the top has some sort of pulley or the like on the ST to wrap the cable around before coming up to the FD.
Good luck and give cross racing a shot - it's the funnest type of bike racing!