Sounds like you want to do a lot of very different things with one bike. A hybrid definitely isn't your answer. For one thing, you mention road racing, and a hybrid will typically have a flat bar (not a drop bar). You can race with a flat bar bike (it's against USCF rules). Also, a hybrid isn't meant to ride off-road except on the mildest trail conditions.
A cyclocross bike is a can-do bike! If I had only one bike, it would be a cyclocross bike. For the road, throw a set of slicks on it and you'll keep up with the road bikes, except maybe on descents (depending on gearing). Want to commute? Many cross bikes come with braze-ons for racks. A little off-road riding? Cross bikes can ride most mtn bike trails, with the exception of the very steep (the gearing is more like a road bike than a mountain bike) or the very technical (no shocks and the tires aren't as wide as mtn bike tires). Loaded touring? Probably, again depending on gearing -- might not be enough to carry lots of weight.
Cross bikes rule!!!



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: how are disc brakes different from conventional brakes? I definitely don't have the mega hills that SF has, that's for sure!
--disc brakes stop NOW! I tried out a bike when I was test riding a bunch of different ones that had discs on it, and WOW, they were really different. I squeezed the brake levers with the amount of force I would have for regular brakes, and nearly went over the handlebars. Ok, that is a bit of an exaggeration, but those puppies really worked, that's for sure, and I did pitch forward some. I kind of liked them, once I got used to them, but the bike I ended up with has regular brakes on it.
