Use either one when the conditions warrant it. Irclean has definitely got me thinking about adding a bike with an IGH and is belt driven (I am still waiting for you to send me the bike so I may verify your claim that it is a "dream to ride" ;-), but in the meantime I will use what I have.

When I know the weather is going to be nasty or I have some shopping I take my bike with fenders and rack. If I'm not going that far and the roads are clean I take my bike without them.