I'm building a Velo Orange Polyvalent right now for this sort of thing. I put a front rack and attached a Wald 137 basket. I am adding some pouches to the back of the basket to hold small things like my keys, wallet, phone etc. It's definitely not a cheap option, but I'm super happy with it so far. I put a 1x11 SRAM Apex 1 setup with 650bx47 tires, disc brakes, and it'll get fenders.