I've got a hybrid that's either a flat-bar road bike or a MTB with 700C wheels, depending on how you look at it. Schwinn Super Sport Ultra for the curious. Aluminum with carbon fork/stays, road triple gearing. I picked road bike because it's very different from the MTB I used to ride as a teen.

Definitely rack and panniers though, for my 10-mile-each-way commute. Every pound on my frame is a pound that's not pushing my butt into the seat. Took the fenders off a month ago because I got tired of hideous toe-overlap and because it never rains down here.