Hi Mark, you might want to look into something like Raleigh's new touring bike, available for about $1200. It would fit the bill for all of those options.

http://www.sheldonbrown.com/lasvegas...ring-disc.html

This is a photo of the bike--and everything that you see is stock, including the Brooks saddle, the Brooks leather handlebar tape, the rear rack, barcons. It also has front and rear brakes. It's a steel bike, too. There could be other options, but this is pretty nice for off the shelf.

Welcome to BF!

East Hill