I’m going for a £2000 2015 robaix.
It’s got discs, 25mm tires and it can have mud guards.
Can’t see anything wrong with it.
check the mudguard clearance before you buy. Just because it says it has clearance, or it has mudguard eyes, that doesn’t mean it actually has room for 25c tyres and guards (assuming you want the wheels to go round). That’s where many of the other bikes you were looking at (charge, whyte, planetx etc) come in.