Well, maybe the better idea would be a taller stem to get me more upright, and perhaps a change in bars. There will be, on the ride to work, a headwind of some sort nearly every day as its a river channel coming right off the ocean. The other issue I have is none of my bikes have eyelets for racks. I did see a bike at Costco (I know, the horror) that was pretty inexpensive but was essentially a MTB hybrid with eyelets.
You could consider a seat-post mounted rack. They work best on a bike with a sloping top tube as that means more of the seat post is exposed and the rack can be a bit lower. If the bike has a level top tube the seat post rack may ride a bit too close to the bottom of the saddle. You can also attach rack struts to the seat stays with P-clips if you don't have eyelets.