I have a Specialized Tricross sport, but couldn't speak to how suitable it would be for YOU specifically, but you might be interested to know that I weigh as much as two of you, and have put several thousand problem free miles on it. So, I'd say it ought to serve you well as far as totin' stuff goes. I actually have two of them, and one was outfitted with a rack in the back, no problem, and I'm pretty sure it has the hardware in the front for a rack as well. Personally, I can't imagine riding anyplace hilly without the super low gearing, but do sometimes wish I had more gears on the top end too.
Try one out and see if it fits you, by all means!!