the roadrat ticks all of your boxes a11y.
I love mine. Horizontal dropouts do mean that fixing punctures when running full mudguards is a wee bit awkward, but that's the only downside I have found.
As for mudguards I use full length SKS chromoplastics (FTW +1) for up to 28c tyres, although they do them for bigger rubber too.
It's great for the commute, trips to the pub and handles surprisingly well when laden down with too much beer/shopping. Comfy on longer rides too.