I am by no means an expert, but I commuted in Iowa, year 'round, for 18 months. Granted the distance was nowhere near what you're talking about, but I don't think that would change my bike choice. I ride a Cannondale T400 touring bike equipped with fenders, a rear rack, and small panniers. It has wider tires than a road bike which helped in snow and rain. Your $1000 budget should give you some decent choices in touring frames, especially if you look at used bikes.