Thanks, Koa C. Staff at two LBSs assure me that, while the fenders may have to be customized and the rack will need to be disc-brake compliant, all will be well. Posts like that on 11/6/10 by Zap Hassellhoff on the "What are my options for steel frame and disc brakes?" thread, are less reassuring: "I've been riding a Kona ***** Inc solidly for the last year. The bike is cool but I really dislike the braze-on mounts. Fenders do not really fit and racks run into the chainstay disc. I'm over it."