All I own are road bikes.

Both my "commuter" road bikes (aluminum) have racks and 32-spoke wheelsets. One has full fenders year-round, and the other uses quick-release fenders in the three seasons, and full fenders in the winter.

My "club ride" road bikes (one steel, one titanium) both commute too, just not on days that are wet, or when I need the panniers.

Lights move from bike to bike as required, although my primary commuter also has a dynohub and lights.