A Surly is always surely a good suggestion. But I wanted to point out the Cannondale Quick CX line. I have one with a Tubus Cargo Evo rack in back, and SKS Chromoplastic fenders. The bike will accept tires over 40mm, though with fenders 40mm may be the approximate max. I have GP4Season 32mm tires but maybe someday I'll go a little wider if I can find the perfect tire in 35 or 38. The front fork has bosses for fenders too. If front suspension isn't your thing the Quick (non-CX) might do it for you though tire clearance may be slightly reduced... probably 40mm max even without fenders.
I thought I wouldn't like the suspension fork, but it has lock-out and seems just fine for a mix of mostly pavement with some rough roads and light trails here and there.