Mimi, if you want off the shelf and ready to roll for fenders and racks, but don't want American, have you thought of Mercian? Mercian has an impeccable pedigree for the functionality you want in a bike.

http://www.merciancycles.com/frame_audax.asp
http://www.merciancycles.com/frame_king_mercia.asp

And if you want wild colors -
http://www.merciancycles.com/psmith_tour.asp