A light windbreaker (reflective if dark riding) might be a good idea. As for panniers & rack, those are really going to be specific to your needs vs your budget. What works for me may not work for you. That said, i feel racks with triangular mount pattern may hold pannier more securely if it is designed to lock into the v shape, otherwise if it's top mount only you could get a rack that extends farther back covering more of the wheel. I would suggest fenders, but i dunno if you plan on riding on wet terrain or in the rain. Several companies make fenders that cover more of the front wheel, and i'd recommend those over something with less coverage. Rear fenders can come with or without reflectors, if you plan on riding at night, get the ones with, or ome that can mount to rack that has a built in light. Front light is required in most places for any vehicle, some require front and rear, you should check with DOT for requirements.

Hope this helps!

- Andy