Racks, panniers
I was using my touring bike to ride with a group of DF and recumbents. Rides were about 25 to 35 miles each. I could stay with them for the first 20 miles but then would get tired and slow down a bit. I took off my racks, fenders and panniers and gained 2.5 MPH and was able to stay with the fastest riders for the entire ride. Made a lot of difference for my particular use. I can put the stuff back on when I tour. That has been my experience. Rich