Dahon X27H is one of the folding bikes that most resembles a "real" road bike. I have SPD pedals on mine, as well as a rear rack. Don't know precisely which panniers will work with the typical "Arc-type" Dahon or Tern racks. Components are mostly Ultegra and it has dual drive.

Tern has a couple of models in a similar vein. None of these are cheap, expect to spend $1500 or more.

If any of these Dahon or Tern bikes work for you, they will be considerably cheaper than what you can get custom made from Bike Friday, which lacks the economies of scale that Dahon, and less so Tern, have. Or as I saw posted once in a BF thread, "two times the bike at three times the price."