Your bike can take a rear luggage rack and fenders. The threaded hole by the rear axle can be used for both but place the rack next to the frame and a fender on the outside, using a stainless steel M5 allen bolt if suitable length.
Your forks cannot take a rack but don't worry, you only need this for major camping expedion style touring, not commuting.
The Blackburn style of rack, made of fully triangulated Al rod is ideal. The design is so good that even the cheap copies work well.
Cheap panniers are rubbish. They flop around, wear out, are fiddly to attach and can bounce off.
Get ones with thick material, lightweight stiffening boards, and a quick-release mounting system rather than hook and elastic. many commuters use a single pannier most of the time, it doesnt upset your balance.