I’m in a similar situation at the moment as I have a fixie (but can’t ride it due to knee problems) and a full on road bike but really just want something to tour, train and commute on. i used to have a Kona Jake (’05) and really liked it, however it was very heavy and not very well spec’d. maybe have a look at the ribble special edtion bikes?
I’ve used both normal racks fixed via rack mounts and also the seat post mounted topeak racks and there’s not much in it to be honest, so in my opinion rack mounts aren’t vital (for light touring). Mudguards are a nice to have though – you can fit raceblades but they’re not as good as a proper set of ‘guards