I just built up a 56cm fantom cross commuter too a few weeks back, only in silver. I'm really loving it. Apologize for the bad photo, haven't taken it outside for a proper photo yet.



Changes from stock:

$40 new stem (30*, 90mm)
$0 bontrager select wheels (keeping the cross wheels as is for if I take it offroad)
$20 11-25 casette
$47 rear rack (Old Man Mountain White Rock)
$104 panniers (The Touring Store Lone Peak P100's)
$140 Dinotte 200L's
$20 saddle - (bontrager race lux; found in the bargain bin at my bike shop)
$50 pedals (Shimano m520)