I have a Kinesis Crosslight Pro 6 frame as my commuter and winter / wet weather bike. It is a cross frame, disc equipped and has a rack fitted for panniers. Ticks all the boxes for me on that front.
That said, I am kind of hankering after a faster wet weather bike, but I don't really need one, more want. I'll have to hope of one the Cubes are heavily reduced at the end of the year and my finances are in a better state to justify a third road based bike...