I haven't been using my Bike Friday a lot around town.
Personally I use a backpack quite a bit, so for ordinary rides, stuff just gets put into the pack.
When I do need a folder, it usually needs to get stuffed into a suitcase, and a rack would be more work. What my last trip did demonstrate, though, was that I definitely need more tie-downs on the suitcase. I bought a couple of rims that wouldn't fit inside, so they got lashed down on top. But, then getting into the suitcase meant unstrapping and strapping.
So, my goal is to add 2 sets of tie-downs. One set for a backpack in the middle (for easy access pockets), and a second set for bigger cargo. I"ll have to decide how it will work if I choose to carry both.