+1 on checking out Bianchi and Redline...the Bianchi Volpe has everything you are looking for except the disc brakes, and there is a Redline bike (Metro Classic, IIRC) that may also work for you if it fits. Also +1 on Surly (check out the Straggler and Disc Trucker) and the Jamis Quest/Satellite. The Salsa Vaya might be just right for what you're looking for as well. If you're looking to be able to put a rack on and do multi-day trips, I think you'd be better off with steel than carbon. Good luck and enjoy test riding!