Winter Trainer / Commuter

So I need a new (to me) bike as above and the question is how much do I need to spend to get a road bike which ticks the following boxes: 1 has a triple chainset. 2 takes mudguards and a rack for commuting purposes and 3 has a groupset higher up the food chain than 2300 / Claris or whatever it is called. I'm assuming anything Campag will not be cheap. Bike is for the club run in the winter but needs to carry me and my work stuff including laptop every now and again. Anyone got any bright ideas, current options appear to be Ribble winter trainer, Cannondale synapse, Trek something or other. Not fussed about what the frame is made out of, comfort more important than speed. Anyone got any bright ideas? Thanks
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Budget?
New or used?
You could check the classifieds for used options and there is even a wanted board so you could specify your requirements and budget and see what you get offered.
Try searching for Mekk Pinarolo £439 or Felt 95 £453 for reasonably priced branded bikes. Steer clear of Viking bikes as they make some very agricultural bikes imo.
Budget is tricky - I don't want to go too cheap but the more I spend the less there will be in the reserves for a new summer steed, but then if I don't keep riding over the winter my legs won't be worth a new summer steed! I have a lot of trouble with decisions...... a Ribble Winter trainer with Tiagra (they don't have Sora triple option) for £680 looks like the one to beat so far.
Out of interest J why the tifosi over the ribble?
TBH no other reason other than I think its a great looking bike, it's always been the one I'd go for if I had the cash and the space. They are also highly recommended by people I know who do own one. I dare say that there's not much difference between that and the Ribble. If you cant decide then let fit/geometry and budget have the last word.
I have one of the original Tk's with a 105 triple, budget RS 501 wheels from Ribble, 25mm tyres and full SKS Chromoplastic guards. For 5 years it was my only bike and ridden all year round. Some years the summer was good enough for the mudguards to come off!
Now I have a CR1 as a fair weather bike and the Tk for when it's wet