I suspect that the elimination of chain lube is one of the primary advantages of a belt drive.

As for a recommendation, I'll put my vote in for my fairly new ride - 09 Trek Valencia.

aluminum frame, steel fork
700c wheels, 700x32 tires
disc brakes
front/rear rack mounts
fender mounts
fairly upright position
super comfy handlebars/ergo grips.
outer chainring guard
got it for around $680

have yet to put on a rack/fenders and see if they play nicely with the disc brakes, but it's usually not that difficult to find a workaround if a conflict occurs. so far, it's been really good. the brakes squealed like a pig in the rain when i took it on a recent Tour de Cure. i'll find a way to fix it, or upgrade to avid bb7 mechanicals like i do with all my other disc brake bikes.

oh yeah, it comes stock with a bell. respect the bell, people.