Alright, here's what I use. A Motobecane Fantom Cross.

http://www.bikesdirect.com/products/...m_cross_cx.htm

I have it set up for a rack and bag, and use it to tow my kids to daycare before I go off. I'm currently running it stock and find that it soaks up the rough New England roads far better than my road bike. Not as fast, but suits me well.