I am also considering to go for a more conventional solution - proper touring bike like Fuji Touring, or swapping Pickenflick for a proper road bike and getting a gravel bike that could work as commuter too like Genesis Vagabond or Marin Four Corners.
This is the frameset I am looking at now, costs around 40 GBP when converted currency.
I see only a single eyelet near rear dropouts, could it fit both mudguards and rack then?