I don't know if this is the right suection; but here it goes. I'm after a new bike to commute to work on. It's a fairly long trip at 25 miles each way over hilly terrain. I will also probably use the bike for wet weather club runs and sportives. Full length mud-guards are a must and perhaps even a rear pannier rack. The bikes got to be quick so that i'm not the last one to the cafe every Sunday morning. Now the tricky bit. I've got a budget of £400, £450 absolute tops. Any suggestions?