At one point I decided that since most of my biking is commuting, all my bikes need to be set up for commuting duty (a rack and light mounts minimum, plus 2 out of my 3 single bikes have fenders). Therefore, all get used for commuting sometimes. One is mostly just a winter commuting bike. I've never commuted on the tandem, but that has a rack and fenders as well.
What is normal? I would say that if you're really committed to bike commuting, you should have a minimum of two ready to go at all times. I can also drive or take the bus to work, but when I'm planning to bike it's quite a letdown to go into the garage and realize that I have a flat....