Sounds like you want to do a lot of very different things with one bike. A hybrid definitely isn't your answer. For one thing, you mention road racing, and a hybrid will typically have a flat bar (not a drop bar). You can race with a flat bar bike (it's against USCF rules). Also, a hybrid isn't meant to ride off-road except on the mildest trail conditions.
A cyclocross bike is a can-do bike! If I had only one bike, it would be a cyclocross bike. For the road, throw a set of slicks on it and you'll keep up with the road bikes, except maybe on descents (depending on gearing). Want to commute? Many cross bikes come with braze-ons for racks. A little off-road riding? Cross bikes can ride most mtn bike trails, with the exception of the very steep (the gearing is more like a road bike than a mountain bike) or the very technical (no shocks and the tires aren't as wide as mtn bike tires). Loaded touring? Probably, again depending on gearing -- might not be enough to carry lots of weight.
Cross bikes rule!!!