I ride a Thorn, all Reynolds 531 steel with thick, solid braze ons for everything under the sun.
Full mudguards (SKS chromoplastic)
Steel rear rack
Brooks B17 saddle
1970's Karrimor saddlebag and rack permanently attached behind the saddle for "everyday" loads (bread, milk, jacket, change of clothes, books, tools, lock, etc.)
Ortlieb Back Roller Plus panniers for rainy days, or bigger loads
BOB Yak in case I need to carry something big

EDIT: Photos attached