None of the All City frames have fender or rack mounts.
It seems like you're using this for your job, which means maybe you can't bail every time the roads are damp. This means fenders will be desirable.
It also seems like you're hauling equipment around, which means maybe you'll want to throw something on a rack that is heavier than you'd like to have in your bag... portable lighting or tripods or whatever. This means racks will be desirable.
If you don't need to stay dry or haul stuff, though, and are instead looking for more of a bar-hopper, then the All City bikes look very well made.
with the price of photo equipment i'd be tentative to put any of it on racks. in a backpack or whatever you get a bit of suspension to ease the blow of potholes or rail crossings
i wouldn't worry too much about fender mounts. i have some clip on full coverage fenders on my 29er. i'm sure planet bike makes a skinnier version that aren't half coverage like raceblades
i'd take another look at the kilo wt. that looks like fun to me. and for the price it's no problem to replace the bb, pedals, tires, and saddle.