I didnt have too much problem with installing fenders on mine (PB touring fenders) and did trial fit a rack not made for disc just for fun too. I just had to bow the stays out a bit by hand around the back disc brake and put a 1/2" spacer down at the front behind the BB to to keep the space to tire even all around as one does to most bikes. And i made up a simple extension to mount the front fender to the fork crown. Not pretty but it worked well. However i dont use a rack and i normally dont have fenders on. But rode it enough this way to know it works.
Its a very smooth riding bike almost or about as smooth as my LHT. I find my size which is the largest you can get at 22", has a longer wheelbase than the LHT and i can really stretch out on it.
Its good off road,(although its not a single track bike one can go slow and get through)quite stable,not the most nimble but then i like a tank. I cut down the bars fron 680 to 560,but its all about preference. I cant ride most bikes hands free like i used to be able to when i was younger,but i can with the Muirwoods. It is definitely built tough.
You can PM or email me if you have any more questions.