I think I can identify with OPs thread in some ways and not in others.

- I don't use multi geared bikes
- I own 2 fixed gears and 1 singlespeed
- I do run full fenders because I just refuse to get splashed with road crap and salty winter slush.
- One of my bikes is a grocery getter so I attach small panniers once a week for doing large grocery runs.
- I use messenger bags or roll top backpacks for shopping and carrying personal stuff

I definitely prefer to ride bikes without racks/panniers for my daily commuting and errands.
Racks/panniers are just tools which I use only when necessary.