So, I went with the 2010 WSD Pilot 2.0. If I find it's not quite the bike I wanted, I will upgrade next year. The guy at my LBS said there are no problems with fitting racks. We didn't talk about fenders...but I don't *plan* to ride in wet conditions, so I'll cross that bridge if I ever need to.

Attm, I like the relaxed geometry of the Pilot, but again, we'll see how long that lasts.