Have you looked into the Soma Smoothie ES at all? Soma describes it as a "less aggressive road sport geometry", but the stuff that made me think of it for what you describe included: steel frame, choice of steel or carbon fork, rack and fender mounts, and it will fit up to 32c tire with fenders. And because it's not specifically a cross or touring bike, it seems to have a wider selection of sizes to choose from.
Here's the description from the Soma site:
http://somafab.com/extrasmoothie.html
And here's the geometry charts: (the page is kind of a mess, you'll have to scroll down the page to find the right model)
http://somafab.com/geometry03.html
There's also a page that lists their dealers, and it looks like they have several in Sacramento (and a big bunch around the Bay Area, in general).
http://somafab.com/somadealersca.html
I've actually been thinking about getting one of these frames and a steel fork to build up into commuter/light tourer, but don't tell my road bike. She's demanding new wheels before I do anything else with my bike budget.![]()




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