I think what you are describing is a cyclocross bike. I once rode with BeeLady from TE who has a bianchi volpe which is a steel cyclcross bike, and she is very happy with it. But, why do you want flat bars? My old terry classic had flat bars, and I had to convert them to drops, because I didn't have enough hand positions and would get wrist pain. If I were you I would looke at the Volpe.