it all depends
if you want a regular rack the Biologic ones are unbeatable .. for carrying panniers you most likely need a taller rack like the old traveller ( which is no longer available ) or the new Cargo rack which will be here in about 3 weeks. That rack is very nice
fenders come in various widths... regular dahon Tern fenders are 45 mm wide and special wide ones are 53 mm wide ....

thor