I second the Jamis bikes- their touring models would be perfect and within your price range. Also check the Terry women's specific touring model- especially concerning the short torso/longleg issues.

I don't think you are going to find a carbon bike that fits your needs: $2000, wider tire clearance, ability to carry medium loads, being able to be fitted with possible panniers or fenders for touring, etc.
But you can find steel bikes that will do all that for $2000 and probably be more comfortable on longer rides than carbon as well.