There is one other possiblity as far as the touring set up goes- a Bob Yak single wheel trailer. That will take the brunt of whatever gear the OP decides he needs for touring/camping. For commuting, the OP could get away with using a Carradice bag of some kind. Or get a Vario rack and make sure that you don't overload the backpack- might have to go home, dump your empty your pack, and then head back out to the store for the milk.

A rack would be nice, but then again, it may not work as well as you'd like. It'll boil down to the geometry of the bike. Some have shorter chain stays, which will increase the likelihood of heel strike... and you thought you pretty much had everything figured