Check out the Schwinn Super Sport DBX from Harbor Country Bike. For $699.00 USD, its a great value. If you don't care for the drop bars, you can easily swap them for flat bars. It has disk brakes and front and rear rack mounts and it will accept fenders and tires from 23c to 35c. It also has canti studs to install cantilever brakes if you want ever go CX riding. Plus, you can switch to 26" disk compatible MTB wheels and go off-road. Its truly one do it all bike and has gotten good reviews. I do recommend it since you can get a lot of bike for so little money!