You might want to look at cyclocross bikes. They have room for larger tires, fenders and racks but are still fairly light. You can throw some skinny road tires on them and have a decent road bike as well.

As for WSD, it depends on your build. My wife has a build that WSD designs tend to shoot toward. Long legs, shorter torso. When we bought her new road bike, she test rode everything the bike store had that was even close to her size - men's and women's. She ended up with a Fuji Finest 1.0 WSD which fit her like none of the men's bikes did. The key is to ride as many bikes as you can to see what works best for you.