I solved the problem of having a rack when I need one and having no rack when i want the bike light by buying TWO folders

for my daily commuter workhorse I run a rack on it with full fenders and mudguards and use a rack bag on those very hot 28+C summer days (that's my cutoff before it gets too sweaty!). but usually I used Deuter bag with their suspended backpacks. doing that gives me less fiddling around when i'm folding and just get into work.

for lightness my other folder has no fenders rack or anything unnecessary heavy.