you can put a standard rack on a Xootr Swift; I've done it. There are eylets on the back, and you just put the clamps on either of the quick-release levers that holds the seatpost in place. Folds just fine.

I'm not sure but think you could just swap the fork on a Swift to mount discs. there's one right here:

http://www.xootr.com/gallery_swift-f...0disc%20brakes

if you don't need a teensy fold, the Swift sounds like a great bike for your needs. And I bet it will be cheaper than a Bike Friday