This could be what I am looking for: The Ridgeback Panorama. It kind of ticks all the boxes although not the ones about being sleek and swish. Panniers back and front – that was the demise of the Bianchi – sturdy steel frame that will ‘last for years’. Or am I just a sucker for a good salesman? Price: £1,199….
I think it is quite sleek and swish, at least without the racks and panniers on. MIne is, anyway.