I was tempted to go down the proper retro MTB route, but came to the conclusion that I'm too attached to disc brakes, which basically rules that out. But would like to stick to steel, because. It's a "want" build rather than a "need" so I can spec things without reasons

I'm 6'1" so probably looking for a 19" frame at the very least
Not really fussed about wheel size, but would like decent clearance for 2" tyres and guards.
Speaking of which, would like to fit full guards and front and rear racks, so need mounts for those.
And being a want, not a need, I can't really spend tooo much money on this... certainly not more than a few hundred quid on the whole thing. Asking much?

Bikes I've seen that would do the job...
Genesis High Latitude
Surly Karate Monkey
Kona Humuhumu (this is probably the dream answer)
What ya got?