Sounds like you want a cyclocross bike. However, you won't be able to get Carbon in this category, but I wouldn't want to put a rack and fenders on carbon anyway. If you're willing to go aluminum or steel, check out the Kona Jake, Soma Smoothie, Surly Long Haul Trucker, and Specialized Tri-Cross among others. They're all popular with this crowd. (same advice, I know)

Would you be willing to consider Alu or Steel? That will help you get replies.

Here's a pic of my Kona Jake to get you thinking: