Demon Frameworks 953 fast touring bike

I highly recommended the thus rack, their steel fly is the lightest and strongest rack for the money (bar the titanium version) and fit your criteria.

I wanted to get a custom stem and rack from my builder but I couldn't afford the whole thing, so the best thing I can think of is simply get the bike build with OTP stem and rack till I can afford to have him make some for me.

I think it worth thinking about since time is on our side and having a custom rack is definitely a great option.

Great comments and advice. Thanks. Will look into the rack, and also like the idea of a custom stem/rack once I've got some miles and therefore have a clearer idea of exactly what I want (and had chance to save up the pennies: got some big bills on the immediate horizon).