Given the conditions and the kind of riding you describe, I'd make sure you don't just have eyelets for racks and fenders, but that you also have clearance for bigger tires if/when you decide you want them. Singlespeed cross bikes give you this flexibility; the BD Uno was mentioned above, but you might also look into the Surly Cross-check and Bianchi San Jose, which you may be able to find and try out at a shop.