In the summer I commute on a LeMond Poprad disc with fenders and front/rear lights on it. Nice and tough but also light and speedy enough for longer rides.
In the winter, when I don't want my pretty bike splattered with salt/sand/gunk, I ride a modified Specialized Hardrock with studded tires, fenders, a rack, and of course, my Down Low Glow (plus other front and rear lights). I put drop handlebars on it since I don't like to mtb. It's like a very big, slow road bike now.