If you want a single do-it-all bike that's quick and rugged and also capable of carrying loads, a gravel/adventure or even a touring bike could be the best option for you. Many people prefer the ride position of this kind of bike because it tends to be a little more relaxed than that of a standard road bike. They also have enough clearance for mudguards and racks, making them suitable for commuting. And gravel/adventure bikes are equipped with disc brakes, making you stop in any weather - some touring are still equipped with cantilever brakes though, but that is getting less usual.
