I rigged both of my bikes with racks, neither of them have actual mounts for them. I used insulated P-clamps down low, and a Problem Solvers seat post clamp with rack bosses on both bikes. Works great!

I also run Raceblade clip-on fenders on my road/commuter bike, but they're kind of a pain. They help a little bit, but much of the bike still gets dirty since they're not full coverage. I don't leave them on, either. I take them on and off as weather requires.