dpr

Hi all, can any one recommend to me a bike or frame and fork that I could use as a winter training bike and touring bike?

Requirements:

Cheap.
Clearence for full mudguards/fenders and 32c tires.
Accepts a rear pannier rack for touring duties. A front rack would be a real bonus too but the absence of one wont be a deal killer necessarily.
Attachment points for two bottle cages. A third would be nice, but again not too important.
A front disc brake or facility for one on the fork would be very handy. Is this unusual?

In terms of bikes (as opposed to frames and forks that I would equip myself), lower end component groups would be fine. Sora, Tiagra or the Campagnolo equivilants. A compact (50/34) would be preferable to a triple and a double is certainly out as I want to multi-task the crank, not have two!. 8, 9 or 10 speed is preferable but will consider 7.

Weight isnt too important. I would hope to keep the total bike weight under 25 lbs if possible (assuming no racks installed and lighter wheels for my training rides). Of more importance is comfort and longevity. Given that I dont want to spend much more than £400/$800 USD on a frame or £800/$1600 USD on the bike, I expect I will be limited to Steel only. I don't want too mushy a bike though. Devon is hilly, as is Italy where I might be going touring next summer.

Something that had crossed my mind is a cyclo-cross frame. But which would be recommended and which will carry atleast a rear pannier rack, if not front as well?

I think that covers everything. I'll add any other stuff as I think it up.

I have also posted this in winter cycling and touring to get as much exposure as possible. I looked but couldn't find any rules prohibiting cross-posting. My reason is that some people might not read other sections of the forum regularly, it at all.