I've wanted a fuji america for a long time; nice bike. If the chain stays are short, you can (a) get a longer rack like the Jandd expedition (very strong) and/or (b) get rear panniers that are not too wide. Alternatively, lighten your load (take a look at some ultra light touring sites) and you may not even need a rear rack:

Ultralight Touring | Adventure Cyclist | Adventure Cycling Association