I have the MEC Cote as the only bike. (MEC is like a Canadian REI).

It's got braze-ons for racks front and back. Disc brakes with 700cx32 tires. Tiagra triple, so I've got a granny gear for huffing and puffing up climbs.

I'm quite happy using it as a commuter so far, and thinking of doing a light tour (60km, nothing super fancy for an untrained guy).

One minor thing was that the seat post, seat stays and chainstay triangle is still a bit small, so you foot might touch the panniers, specially if they have side pockets and stuffed with things. I suppose I could move the panniers around, but depend on the weight, shifting the weight can affect handling.