If you can find a used Terry Classic - you'd be in luck. It's 631 steel, mountain gearing in the rear (so it'll get you up most hills - even if loaded), mounts for racks and fenders, and WSD. I have one built up as my commuter (my commute is long, so I put drops on it) and it's a wonderful all around bike. In fact, I recently replaced my touring wheels with a lighter road wheel (since I haven't toured on it yet!), and it often gets ridden in place of my road bike now.

I bought mine on the Terry website (they have a buy/sell section) from a woman who lived in NY (when I was in NC). It was $600 and virtually unused!