Hi there. A while back I posted a question about buying a road bike and fit and I got some great information from this forum. (Thank you.)

I have since bought the road bike --- it fits great and I LOVE it.

In fact, I love it so much I am reluctant to commute on it to work. (We have a garage at work but I am paranoid about having something happen to it.)

So, now I am thinking about acquiring a commuter bike. Can you please throw out some recommendations?

Here's a bit about my commute:
About 5 miles on relatively flat terrain. This is a major city, with aggressive traffic and few bike lanes (the ones that are here are shared with buses and taxis). The roads have huge potholes. It also rains a lot. A lot. (Sounds great, doesn't it?)

So, I am thinking that I need a bike that is:
- Somewhat zippy that will enable me to keep up with the traffic
- I think I want drop handlebars because they are narrower in traffic and less likely to get caught on anything
- Something that can handle potholes
- Something that can take fenders
- Need panniers - I would like to use this bike to go the the grocery store
- Something relatively inexpensive as I would like to be able to lock it at the grocery store and not have it be a thief-magnet
- Something comfortable for the potholes.
- I am also small so I need a smaller bike - my current bike is about 48.5cm from middle of seattube to headset.
- Finally, my current road bike has Campy and I like it a lot, so I'd like to stick with that if possible, but it's not a deal-killer.

I am thinking I need some sort of cross / cyclocross (I still don't understand the difference) or a touring bike, but I really don't know.

Does anyone have any specific suggestions as to makes / models?

Thanks in advance.