I'm pretty sure the winner is....http://www.somafab.com/dcdc.html the Soma Double Cross DC!

This bike has everything I want, including disc brake mounts, which the Tricross does not, and, it's purdy. It will need to be built, so so much for my budget once I start picking out parts. A good thing--my bf is getting me the frame for Xmas, so my intended budget is now just for parts and labor.

There didn't seem to be anything else that had everything I want (drop bars, fenders, rack, disc brakes, gears) in my price range, and nothing used in my size (usually 50). But because of the versatility of this bike, it will be used much more than just for snow.

Anyone ride one? Is this a good choice? I'm leaning away from setting it up as a single speed, but I'll be test riding a couple of those just to make sure I'm right about that. The idea of riding my commute in one gear doesn't sound fun. It sounds easier to wipe down the bike.